 Why is health insurance not assessed like automobile insurance? |
| Why do auto insurers consider things like commuting distance, age of driver, sex of driver, driving distance, how often you drive when creating a policy, but major HMOs and PPOs don't consider ... |
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 Where can I get health insurance for just one month (August)? |
| I am looking for health insurance (on behalf of someone else) for just the month of August. He is insured through his mother through July, and begins work in September. He is planning to contact ... |
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 Who is responsible to pay the deductible? |
| Has anyone ever heard of this before? He hit another car and the other car hit a parked car. Someone told him he had to pay the other two parties deductible. Does that sound right to you guys?... |
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 Higher Insurance for 2 door or 4 door? |
| Okay, my friend is thinking about purchasing a 2007 Pontiac G6, but she wants the GT Coupe 2 door model. My question is, would the insurance be significantly (pay attention) higher. to buy a 2-door GT... |
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 Whats a good cheap health insurance for a college student needing ADD medicine with a min wage job? |
| Like I said I only have a min wage job, and I completely support myself. I desperately need ADD meds, but I have NO health insurance. I need to be able to afford the health insurance too. I am a ... |
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 Will my seat-blet ticket effect my insurance? |
| My old cars seatbelt is out of order but since I was getting late for work I couldnt wait for my husband to drop me off in his car. Thats when I was pulled over and slapped a $25.00 fine for not ... |
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 Professional Indemnity Insurance? |
| Can anybody tell me the difference between Professional Indemnity Insurance and Liability Insurance, I am a business who goes into offices to work and I have Liability Insurance and I've been ... |
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 Which are the best reliable life insurance company? |
| I am looking for a competitive life insurance offer from a top-rated company. I am an expat working in Saudi Arabia.... |
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 Concerning car insurance, why would your credit score effect your premium? |
| why on earth would your credit score have an effect on how much a person pays for car insurance? i was told by independant that my rate would be lower if i had had a more "favorable" credit ... |
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 How much does an auto insurance agent get paid? |
| ..so i was wondering going into the field of auto insurance and what would be the dollar premium that an agent get paid or the minimum...just received my license so i think thats pretty much it..i ... |
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 Car wreck - insurance company wants to low-ball me? |
| My van (1990 Plymouth Voyager) was hit by a little old lady in a parking lot. The repairs are $2500 and the insurance company wants to give me $800 dollars because they say a comparable van in Idaho ... |
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 What will my health insurance company do regarding my coverage after I reported my preexisting condition? |
Read for background:
http://answers.yahoo.com
I reported to my health insurance company that I had a preexisting condition that wasn't ... |
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 What kind of questions should I ask at an insurance sales interview? |
| I have an interview with All State today. An independant agent called and asked if I would be interested in working alone with him. Two Man Team. Huge opportunity!!!... |
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 Health insurance question, please help!!? |
| I am 18 years old. I currently have health insurance through my employer and it doesn't seem all that great. I pay $57.07 a week. This is my first time having insurance on my own, and to me, ... |
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herzog | How much could I expect to pay/month for $200,000 life insurance? s/w/m/23yo/ny/nonsmoker/n... health issues? |
that's 23 years old, white, male in upstate new york, college grad, (nonsmoker/no health problems). I just need a ballpark figure. $10? $100? I just have absolutely no idea so if you have any idea, you know more than me. |
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ontopofoldsmokie
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Go to reliquote: I plugged in some number for a 23 yo male in New York. Normal height and weight, non smoker, with no health problems or family history of health problems.
Most of the 20 yr quotes were between 15-20/month.
Do not, repeat, do not go for that overpriced whole, variable, etc... life insurance. They will tell you that you are investing and insuring yourself. Insurance is for planning for your loss of income. It's so your love ones aren't left with all your debts and no way to pay them off. Fees and return on investments in whole life, variable-life and there ilk insurance will eat up profits.
Get 20 year level term: Take the money you save for not buying into the whole life insurance crap and invest it. You'll do much better than paying fees and commissions to insurance companies. |
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SafetyDancer
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My favorite site is www.term4sale.com
They don't sell insurance - just post rates from least to most expensive. |
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girlwhoknowsitstrue
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https://www.netquote.com/?nqid=12743&Status=splash_home |
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Byron Udell
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It depends on the company you go with so shop around. If you are looking for term life insurance which doesn't accumulate cash value you'd pay about $15 per month or $170 per year for a 20 year level term policy with a death benefit of $200,000 (assuming there are no health issues, participation in dangerous activities such as sky diving, no bankruptcies, no dui's, etc.)
You're young, so you might even want to go with a return of premium life insurance product that will give you all of your premiums if you outlive your policy (after 20 years). This is a little more expensive, but it's a forced savings for you. Check out www.accuquotelife.com for free quotes. |
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astrnelis
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Ok,
You may not find this answer very enlightening but it all depends on the company that you apply to. Things that play major role on the premiums are the above things that you mentioned, being a non smoker is a great plus, location, driving habbits, hobbies e.t.c
Also another thing that plays major role is the type of policy that you are trying to get. If I was your age I would try to get the maximum coverage that I'd qualify for with option to increase every 5-10 years, something that also builds cash value. It will be a little bit more expensive than just straight life but it is well worth it in the end. Again to go back to your question, you could pay $10 or you could pay $100. It all depends on what you want to get out of the policy. |
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mbrcatz
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$200 a year for term. $2500 a year for whole life. |
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