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 Short term disability insurance help?
I'm scheduled to have a hip replacement in May. My question is this: is there any type of insurance (i.e.- AFLAC) that can help with some of the medical expenses that I will incur or even help ...


 I am renting my home, do I need to change my homeowners insurance?

Additional Details
This is in Ohio, if yes what changes do I need to ask for? I would guess the contents wont need to be insured....


 How can u get fired but still collect unemployment?
how can u get fired but still collect unemployment?...


 How do i find out if i had a life insurance policy with k-mart years ago?
...


 Medical vs Medicare vs Medicaid?
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 My former work place is still paying for my health insurance.?
Will I have to pay them back when they realize their mistake?...


 What is E & O Coverage?
I am new to the insurance industry and was told by an insurer I want to be appointed with that I am required to have $500,000 of Errors and Ommissions Coverage? being new I would hate to ask a ...


 What will new health insurance cover?
i am leaving my job and i will need to get health care coverage somewhere else. i am having problems with my back, shoulders, and neck because of my huge breast. i need to get a breast reduction ...


 Whats a decent amount for an insurance quote for a new driver?
...


 How much will my insurance be on a Lexus IS250. I am with farmers?
I am with farmers right now and have a 2001 rav4. I pay 80 a month full coverage and have never had a wreck. T...


 Workman's comp?
I work as a barback. I injured my knee lifting beer. I received a phone call just now "that i should seek employment soemwhere less demandign on my knee". Can I get workman's comp? L...


 Why do I work so hard to pay for insurance?
My husband and I spend over 400 dollars a month on health insurance and we still recive bills in the mail that insurance will not cover. We've called our insurance company and they say it'...


 Question about guarentee issue life insurance policy?
I've purchased a guarentee issue life insurance policy for a family member with a chronic illness. The policy is only payable after 2 years. The premium is $61 a month or $645 a year. I'...


 What is your monthly premium for health insurance?
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 Insurance and no claims bonus?(please help)?
my boyfriend has paid of his car insurance for 9 months but he gets 3 months for free without any payments. he has just bought a van and oes he loose his 3 months free insurance or should they refund ...


 I have health insurance through where i work, smokey bones. how do i cancel my health insurance..??
so ..i got health insurance through darden ..the company that owns olive garden, red lobster, and smokey bones, etc. ..i have tried to ask how to cancel my insurance on the company site and havent ...


 Please explain about life insurance?
If I got life inurance for 20 years after 25 years If I won't die what would happend? If I will die within the period can my children get money?...


 Boyfriend left life insurance & 401k to my friend & she doesn't know steps to take. Copy of will also needed.

Additional Details
She is the beneficary on both. Talked to insurance co. and trustee... they want copy of death cert. (how can she get that?) His family is being real rude to her about ...


 Have you ever heard of woodmen of the world insurance company?

Additional Details
is it good insurance??...


 Why do employers give you free life insurance?
...



charlotte q
What is the current cash surrender value of a whole life insurance policy?
Is this the amount I would get after I cancel a policy?
My policy shows this amount minus loans asnd interest and plus dividends and go-rider cash values.

I can no longer afford the premiums.
Additional Details
I just need to know that if a stated cash value is the amount i would get. In my case that is $17,000.
                     
 




mbrcatz
Yes, less cancellation fee.


JimBo47
It depends on the face value amount of the the life insurance policy and the number of years you have paid premiums on the policy.


LifeInsuranceAgent
Rating
the cash surrender value is the amount you would receive if you cancel coverage.

Some options available to you:
1. If you still need coverage, you may be able to 1035 the cash value into a new policy at a lower cost.
2. If age 65 or older, you may be able to sell the policy for more than the cash surrender value via a life settlement.


juicyfruit
You are correct. If you've had the policy for awhile you may no longer have a surrender fee. The most accurate way to get this information is your insurance agent.


lb06029
Rating
Find out if you can lower the premiums first. Note to Lifeinsuranceagent: Selling your life insurance policy is NOT a good idea. It is currently being reviewed for tax consideration. Almost every major insurance company out there now has a team specifically working on STOPPING that practice.


aaron p
Yes, the current cash surrender value is the amount you would get if you forfeit your policy. This is different than the total cash value in your case because you have a loan.

Note to other agents: The surrender charge in a whole life policy is the difference between the cash value and the interpolated value. The interpolated value is almost never shown on a statement or inforce illustration.


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