 How much does General Liability Insurance cost for a sole proprietor? |
I am planning on starting a sole proprietorship doing illustration design. How much would General Liability Insurance cost me?
Additional Details
It would be just me no hiring outside of ... |
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 Can I have a reverse life insurance policy, where they pay me as long as I live and they get money when I die? |
With life insurance, I pay the insurance company money each month I am alive, and they pay my estate or beneficiaries if I die.
With an annuity, I pay the insurance company up front, and ... |
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 How does unemployment equal 99 weeks? |
| I am currently on unemployment in the State of Nevada. Although I am searching for work, the process isn't going so well and I wanted information regarding the process of the unemployment ... |
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 Can I request a health insurance company to pay a bill of a service done four years ago? |
| I had a health care service performed on me four years ago, and just recently the service provider is claiming for a payment. I have another insurance company now, can I ask my previous insurance ... |
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| Wouldn't it be cheaper to just buy the uninsured health insurance from the private sector? |
| The price tag for the current health care proposal is $900 billion over 10 years. That works out to an average of 90 billion a year. The main objective of the proposal (presumably) is to provide ... |
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 where can i get car insurance with no deposit? |
just wondering if any one knows a website where you dont need to leave a deposit when taking out a car insurance policy?
thanks!... |
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 I have no insurance, what do I do? |
| I have been having horrible headaches that won't go away..it even hurts my eyes when I look around. I don't have any insurance yet, because i got married not too long ago. what can i do? : (... |
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 If I get some blood work tests will the insurance bill specify what kind of tests were run? |
| I'm still technically under my mom's insurance and I was wondering if she will get the lowdown on the type of tests run when getting the blood work done on the insurance bill. She's ... |
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 Can I recieve compensation if I didnt get injured? |
| Ok, so today I was sitting in a bus stop when suddenly (from no fault of my own or others around me) all the glass from the window pane smashed and went all over my head. Despite being really shaken ... |
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 What kind of insurance protects your things without owning a house? |
| I'm going to be moving out soon and it's going to be the first time I need to buy insurance.I'm going to be living in an apartment,so what kind of insurance should I get in order to ... |
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 Do i qualify for a hardship? |
| I am 17 , and i have a young son. I turn 18 in 4 months , But im starting collage and my husband works so he cant take me everyday. I plan on getting my license as soon as i turn 18 , But i cant wait ... |
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 Accident at work, worker's comp claim. OSHA involvement? |
There's a situation at my work where large animals certain equipment = injured employees.
Suffice to say with a bit more design savvy, the equipment could be modified to eliminate ... |
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 Can anyone help with with a medical bill that I received? |
| About 9 1/2 months ago, I went to an Ear Nose and Throat doctor in regards to water behind my eardrum issue that I was having. When I went to the doctor, on 08/13/09, the office told me that they ... |
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 Does one have to pay the full out of pocket maximum each year? |
| I'm looking to buy health insurance from Kaiser and so it says that their family plan annual out-of-pocket maximum (individual/family) is $2,500/$5,000. Am I supposed to pay the full amount of ... |
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Adam | Term Insurance Vs. Whole Life Insurance ? |
Can anyone please explain the difference b/w a Term Insurance and Whole Life Insurance. I'm a little bit confused and looking for details on it. Thanks |
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sublimechrispy
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Term insurance is like renting insurance for a specified period of time. The coverage will usually be much more expensive when it is time to renew.
Whole life insurance premiums are guaranteed to never go up but they are considerably higher than term rates (because there is a 100% chance that you will die and the policy will pay - unlike term where it is relatively unlikely that you will die in the next 10 years). There is a built-in cash value that can be (but should never be) cashed out, or converted to reduced paid-up insurance in case you wanted to stop paying the premiums. Just beware of any policy with a penalty for doing this.
The best bet is if you can find a guaranteed renewable to age 100, relatively level premium term policy. It will be more expensive than a typical term policy but cheaper than whole life. It would not have a cash value, but that can be a benefit because it would be protected from future creditors such as a nursing home. |
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mbrcatz
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Term insurance is much cheaper. It's a policy where the rate is guaranteed for a "term". It could be one year, ten years, twenty years. It's "pure" insurance. If you don't die during the term, they don't pay out, and you don't get money back.
Whole life, is much more expensive. It's a policy where the rate is locked in, for your whole life - until you die. It combines a "savings" account, with the insurance, and you can borrow against the savings.
As far as which one is better for you, it depends on the GOAL of the insurance. For most people, "buy term invest the difference" - and, there is QUITE a difference, as whole life can easily cost ten times as much as term - leaves them better off in the long run.
I'd strongly suggest you do some life insurance research, at yahoo personal finance, and dave ramsey's websites. |
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Rick B
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ONLY BUY TERM!!!!
Whole life is insurance and a savings vehicle combined. It has much much higher fees/commissions. Don't save/invest with an insurance company; buy insurance with them.
Buy level term and INVEST the difference. |
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Lynn s
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Whole life you can borrow against. it can also be like a nest egg you can cash out before death.
Term life is cheaper but is like car insurance, one the premium is paid and the time passes your money is gone.
Experts say term life is better because you can invest the difference in price of a whole life, and make a better return on your money. Ask a State Farm Agent if you need further info. |
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Soham
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Term life insurance covers life risk only for a particular period of time "a term" while a whole life insurance covers life risk until death of the policy holder and hence much expensive than term life policy. Both term and whole life insurance comes with and without savings part attached to them. |
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Sheyla
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visit this for details www.termwholelifeinsurancequotes.com |
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