 What sort of Life assurance / mortgage cover do i need? |
| We have an interest only mortgage and need to get some kind of cover for life insurance / endowment or mortgage assurance - we have no idea what to look for - we want it to pay off the mortgage ... |
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 I need a life insurance policy that is affordable for my mom who has cancer? |
| I do not have alot of money and I am trying to find a life insurance policy that I can afford for my mom. Sha has cancer in her throat and I can not find an insurance company that will give her ... |
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 I want to start selling insurance and quit the current job that I have.? |
| Should I just quit the job that I hate (lol), and start with the insurance, or do the insurance on the side while i have this job then quit when i have clients built up?????... |
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 Looking for cheap insurance? |
| just baught a van and looking for insurance companys numbers,thanks ... |
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 Can an insurance company deny you a claim even if the other person got a ticket? |
Additional Details
The other driver failed to yield the right of way and rear ended my husband.... |
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 Home Contents Insurance - what affects this price? |
would contents insurance be more expensive for a lower ground floor flat, or ground floor flat, than the upper floors?
Is there any statistics on whether they're more likely to get broken ... |
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 Should I pay this medical bill? |
| Basically, I had to go to the walk in clinic to get some stitches. Personally my friends and I think that all I needed was a butterfly bandaid and maybe some of the dermabond or vetglue(instead of ... |
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 Mom died. Am I responsible for her bills? No estate but had insurance $ from my father's death that I now hold |
| My mother passed away and had credit card bills. She had no estate (property, etc). She did have some money from an insurance policy when my Father passed away. I have this money in my possession. ... |
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 Can anyone recommend any company that offer good insurance? |
| I'm trying to shop for insurance companies that are reliable and offer good deals for a family plan covering house and several cars? Any recommendations?... |
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 How can I get car insurance on a car that my ex husband let my daughter borrow? The car is still in his name.? |
| My ex husband let my daughter borrow one of his cars. He lives in a different state. I had the car registered here in the state we live in, but now the insurance has expired and I can't seem ... |
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 What is the best life insurence package for me? |
| I am a 30 Male got 18000 Salary with a family od 3... |
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 Where can i get affordable health insurance for less than 100 dollars a month? |
| just for me. i dont want a company that will take a week to decide..i want something fairly fast...can anyone help/? ... |
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 Self-employed... yes or no? |
| Overall, cosidering the pros and cons, is being self-employed a good idea?... |
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 Can spouse cut off medial insurance for me? |
my husband left and cut me off from the credit cards and took me off the medical insurance from his job, can he do this? and if not what should I do. Please let me no asap.
Thanks
K... |
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 Best health insurance? |
| self employed, 59, good ... |
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vijaydeokate | How investments is better in insurance than in share market & mutual funds? |
if person invest in insurance and he invest which is safer for him to invest. |
 |
 
Loganathan Raja Rajun R
|
Investments in INSURANCE is always better compared to share markets. Mutual funds also invest in share markets and the risks are somewhat insulated.
In Insurance though the returns over a long period, the risks are nullified. However in share markets too over long period the returns are 10 to 20 times favorable than insurance.
But before u make any investments follow the King of Kings rule9U Know my name translated in English)
1) Gold Silver precious metals
2) Bank deposit R.D/ F.D
3) Bonds, NSC, Post office savings scheme,
4) INSURANCE ( a minimum of Rs25 lacs including term insurance)
5) Mutual Funds ( A combination of all)
6) Pension funds, pension schemes, Mediclaim and others
7) Real Estate
Have u allocated proportionately ur savings for the above and still u have left with cash
8) Then Consider Share Market with a strict long-term value growth.
Look to achieve what i have listed above u Must have Rs10,000/- per annum towards savings or work out proportionately. |
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K M
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Insurance is for longterm protection, loss prevention and safety promotion. Mutual fund is just for wealth creation by being partner in accretions, which is not guaranteed. |
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insuranceguytx
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Go talk to a financial planner (adviser).
No one on these message boards can give you advice on the best plan for you without a lot more information about your situation. |
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prem k
 |
Invest in insurance is better then invest in share or mutual funds because in insurance u get investment along with the life coverage, but in share or mutual funds u only get investment not life coverage. so in insurance it is like EK PANT DO KAAZ. |
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jaggu
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Insurance is actually not investment because it gives you risk coverage and a large part of the premium paid is for cover rather than savings.But it gives a decent savings also because it statutorily has to invest in more than 50% in Govt Bonds where risk element is less. Investments in Share market or Mutual Funds depends upon which level you are entering or exiting and there is always a downslide loss. |
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mbrcatz
 |
well, insurance is safer, of course, but you get a pathetic return on your money! You can do just as well putting it in a bank. Remember the #1 law of investing . . . the greater the risk, the greater the return.
I'd NEVER use insurance as an investment vehicle - the insurance company keeps 90% of what your money makes . . .and THEY are investing it in the market - stocks, bonds, & mutual funds. So logically, you do better putting it in those same stocks, bonds & funds. |
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ecomliquidators@sbcglobal.net
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In the short term you'll more than likely do better in the market. However, if you have a family that depends on you, having a Variable Life Policy makes a lot of sense as part of an overall strategy. You don't pay taxes on the growth inside the policy until you withdraw past your cumulative payments. If anything happens to you and you are no longer, the family cn continue on without having to mix in anger with grief over your passing. Also, these policies can be structured to allow you to overfund the insurance (to a point) so all the additional money is sitting in whatever type of account(much like mutual funds) you selected. 20 years down the road they look real sweet, and if set up properly money can be withdrawn tax free for the rest of your years. NOTE: Just because the word Insurance is on the cover of the policy does NOT mean that a rate of return is insured or that even a return of your money is insured, because it isn't, and a policy sold that keeps the premiums as close and competitive as possible to term insurance rates, are not going to leave a lot of room for funds to grow. Buy insurance for what it is for! To take of the problen that is created by your unexpected death. |
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