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Cashing in on a modified whole life insurance?

I purchase an insurance on my sons when they were in their teens an now they are in their 30s an they want help pay the premiums so im wan tin to cash them in because ive grown tired of paying for something that they want help with . I notice while reading the policy that it says owner on file im the one paying for this so shouldn't I be the owner or are they something I should know before I call them

   








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What's the cheapest way to commute between Liverpool and Manchester?
Hi, I'm starting a new job in Manchester next month and I'm trying to find the cheapest way to commute. I'll be travelling from Rock Ferry to Manchester Piccadilly 5 days a week and my working hours will be roughly 9am to 5pm, although some days will require an earlier start and a later finish. I've looked at a rail season ticket and was shocked to discover it would cost 3008.00 with First Trans Penine. I've also read that the train journey is horrendous. My wife and I share a car but realistically, she can't rely on me to pick her up and drop her off at work at the same time every day (she works in Liverpool) so we would potentially need another car. With that, comes the initial cost of buying the vehicle, then tax, insurance, MOT and weekly fuel, which in my mind will cost even more than the rail season ticket. Added to that is the fact that we're not particularly well off so can't afford more than a couple of thousand for a 2nd hand car. A brand new car on finance would be out of the question. So, are there any regular Liverpool to Manchester commuters out there and if so, how do you keep your costs down? Any suggestions would be much appreciated!"


Why dont we get a refund from car insurance companys when we dont make a claim?
i pay more for car insurance than i do for house insurance yet my car is worth a fraction of to my house ????


Would you work for FREE Medical and Life Insurance?
Well I do, I feel like since Medical Insurance is so high today that it would be worth it to get it for FREE. But most people feel it is just not worth working for, I found this company that offers it for FREE. I am going to keep on working for it and once I get it I am going to go and tell all the people who felt it was a dumb idea to kiss off. Would you do it? Would you be willing to work if you knew all your medicals would be paid no questions asked? I wonder if the average American would be willing to do the hard work?"


How to make money in life insurance?
I just got my life/accident/Health license in the state of CT. I did a self study through Kaplan on my own, at my own pace and passed the test 1st time. Im an independent agent but my dad has been selling insurance independently for 30 yrs. He is gonna write me in on his commissions. How can I make a 6 figure salary in this biz? Im 23 just graduated college with psych degree 4.0 GPA and I am extremely hard working and love to sell. Is Final Expense the way to go? My dad has prospects but can I just open up a phone book and start selling everyone? Any advice is appreciated. Highly motivated newbie agent just trying to figure this all out."


Insurance Car coverage?
My car got flooded bacuase of the Hurricane IKE in the houston area. The current market value of this car is 9k but I still owe 13500 and I do not have GAP insurance. I had an offer for this car three weeks before the hurricane for 12k. As we all know insurance will only pay what it worth now. What are my possibilities for having the insurance pay it off sice this was a natural disaster.


Obtaining auto insurance quote for dummies?
I've done a little Google searching and haven't found a clear answer to my question. Can anyone help me out? When getting a quote from a new insurance provider, when you report past driving incidents"" do you report them as what the police officer originally originally charged you with"


Insurance quotes and reviews?
l've found a reasonable insurance price on a Vauxhall Corsa 1.0 litre Club, but l was curious as my Dad has never heard of this company so l reviewed it and it said 1* for most websites! Should l go by reviews or does it matter? l want to make sure that it is a reliable insurance company just in case anything was to happen! lt's called Brokerking. Thanks in advance xxx"


Will one violation make my insurance go up?
The other day I failed to see a no right turn on red"" sign posted above an intersection. My right turn on the red light was safe"


Car insurance price after a year still high. Any suggestions?
Hiya, So basically I have been driving for a year as a named driver on my dads policy. In that time I haven't had one accident or claim, no speeding tickets and never had to contact my insurance. Now im looking to go on my own policy and the cheapest prices that Im receiving is still over 1900! I thought it would at least of dropped below 1500 by now.... Anyone have any suggestions or companies to try. Ive tried all the compare websites, and alot of independent ones such as direct line etc and they all suck just as much as each other.. quoting me stupid figures like 15000 :S Help!"


How much does health insurance cost?
I'm looking for a ballpark figure if anyone in the business might know. I am a 45-year-old male, non-smoker, very light drinker, mild high blood pressure, moderate high cholesterol, about 20 lbs. overweight, otherwise generally healthy. I've never had any major health problems. I'm just interested to know, is this going to be $200 a month or $400 or $800? Just a general idea will be fine. Thank you."


Motorcycle and atv insurance?
Eventually i plan to get a motorcycle (suzuki hayabusa) and atv (yamaha raptor). What is the average cost of insurance for both of those??


Car insurance???????????????
im 17 and bout 2 insure my car, iv got 1 year no claims bonus on a moped, can that be used to save money on my car insurance.??"


How can i get affordable car insurance for myself?
do you reccomend that i find a second job??


"I am 17 years old, got my driving license 8 month ago, but i don't have insurance on my car! What would happen?"
What would happen if the cops would stop me? I have my mom's insurance, for my car , can it be helpful with the cops? "


Full coverage insurance for a 350z in Cali?
Can people stop answering this question? It's clearly over three years old now.


Cashing in on a modified whole life insurance?
I purchase an insurance on my sons when they were in their teens an now they are in their 30s an they want help pay the premiums so im wan tin to cash them in because ive grown tired of paying for something that they want help with . I notice while reading the policy that it says owner on file im the one paying for this so shouldn't I be the owner or are they something I should know before I call them


"Will the Supreme Court ruling on Affordable Care Act affect those under 26, and on their parents insurance?"
I am a 20 year old man, and I suffer from a couple health problems that I must have treatment for. I have a job, but I do not make enough money to afford my own health insurance, so I am on my father's. I am able to do this now because the new law allows me to remain on my father's insurance until my 26th birthday. If the supreme court rules that the mandate in question is unconstitutional will it effect that specific part of the law? Am I in danger of losing my health coverage?"


How much control does the government have over malpractice insurance policies?
Does our government determine the guidelines for malpractice insurance or is this strictly up to the Insurance companies and the states?


Will my Car Rental include insurance?
I'm hiring a car in Texas from Avis, it says it Includes Unlimited mileage"


Car Insurance questions?
I don't care what happens to my car. She took it without my consent, and I just want her to pay it herself."


Age for car insurance?
I have heard that you cannot get your own car insurance policy untill you are 18. Is this true for new york state?


Need help with car insurance. ?
Im 16 and got my first car, i have been looking for a place to get cheap car insurance .... please tell me some good places to get the absolute cheapest car insurance."


Can someone who smokes marijuana get affordable life insurance?
Can someone who smokes marijuana get affordable life insurance?


Insurance claim question...?
I was pulling out of a private drive at an angle. I had clear vision...... No blind spots at all. I turned and looked very carefully two times it was 100% clear nothing coming at all. So I pulled out. Next I knew I had driven 12 to 15 feet and heard a loud slamming break noise. I looked in my rear view mirror and about 12 to 15 ft behind me a car was stopped in the road. There was no contact with the cars whatsoever but the other driver has a claim into my insurance co for back injuries. She says if my insurance doesn't pay she will sue. I believe I am not at fault. I think she came over the hill after I was out of the private drive in my lane and she didn't see me. Help.?? I am not sure what this is all about. ( by the way she was under a dr care for back pain already ) she was getting pain treatments already she said. But claims it's my fault her back is now more injured


Is affordable psychiatric help available for those with no insurance?
I'm not going to give my full sob story or tell emotional symptoms, because it's irrelevant, no body's business, and most people would just suggest I go see someone anyway, which is what I would like to do. However, I'm living in a dead town, have been unemployed for a year (feeling like I'm driving every potential employer insane trying to find a job somewhere.. anywhere), no real way of transportation because I can't afford to get my car fixed with no income, a lot of physical health problems but again, no health insurance... all just minor situations adding to stress and depression, but also standing in my way of taking the next step to get out of the hole I'm in. I think I've been in need of professional guidance for a while, and I think my boyfriend needs it even more, but I have no idea if that is even an option for me, given my current financial situation. I know a lot of hospitals have programs that allow low-income/non-insured patients receive the medical help they need, but I just wonder if there are places that also offer psychological help to those in need also. I just feel like completely letting go and not getting things resolved will further my bad financial and mental/emotional situation, as I feel like I'm completely helpless and can't even make the smallest decision or even pinpoint where my feelings are coming from."


Has anyone used Cover Me Insurance Agency to buy Truck Insurance?
I'm a truck driver in need of truck insurance and filled out their quote form online at http://www.covermeinsurance.com/quote.html but have not heard back from them. I called them about 3am to leave a message but they don't even have a way to leave a message. I was wondering if anyone has had any experience with this truck insurance agency.


Best way to grass without any comeback on stepson whose put our address for cheaper car insurance?
Best way to grass without any comeback on stepson whose put our address for cheaper car insurance?


Do I have to be on my parents insurance in order to use the car?
Would I be in trouble if I'm not on their insurance but using the car?? The car is insured so what do I do?? Live in Florida


Car Insurance! I dont get it!?
I dont understand how it works, i have looked online for some quotes for a Proton Persona 1996, insurance group 12 and i get these results. Annual Premium 1800 total excess 250 So what does this mean? I have to pay 1800 to insure an ancient car?"


How much will my insurance go up?
I got a ticket today for reckless driving (drifted coming out of school.) I'm only 16 and I'm a male, so how much will my insurance go up?"


Where can I find the best Pet Insurance for my female golden retriever?
I want to take my dog to the vet to get checked out from time to time and I was wondering about pet insurance. The ones I've looked at say that they will reimburse you 80% of the cost. But I am wondering if there is a pet insurance where I can provide the insurance card to the vet to have the fee partialy or fully waived right then and there. The problem is I don't have hundreds or thousands of dollars at any given time to give to a vet so I certaintly couldn't wait to be reimbursed so is there a pet insurance that will give me some type of card so I can get the discount right then and there or do they all work the same? Or would I be better off saving the Monthly Fee"" to the side every month and just pay as needed when I take her to the vet or is paying 20 to 30 dollars a month for pet insurance a better idea? I'm very new at this and need different opinions thanks."""


Cashing in on a modified whole life insurance?
I purchase an insurance on my sons when they were in their teens an now they are in their 30s an they want help pay the premiums so im wan tin to cash them in because ive grown tired of paying for something that they want help with . I notice while reading the policy that it says owner on file im the one paying for this so shouldn't I be the owner or are they something I should know before I call them


Is triple a the best car insurance?
Is triple a the best car insurance?


Where can I get affordable temporary health insurance?
http://AnnDunham.cn/health-insurance.html


What is a good (cheap!) health insurance?
i'm a college student so i have no money but i need health insurance so i can get my birthcontrol pills every month. whats a good company?


I live in ontario. what is the process of getting auto insurance in quebec?
what if one wanted to come back to ontario with quebec insurance?


"Pregnant, unemployed and I need insurance?"
I'm 24, recently terminated from BOA due to a matter with an incorrect procedure. Meanwhile, I'm pregnant with my second child and unemployed. My husband is doing great for our family (we are a small single family living by ourselves). He's working and paying all the bills and then some. Where can I find some much needed health insurance for myself? Please advise. Thanks and God bless.. (I'm 24, african-american, non-smoker, not diabetic, don't have any std or sexual disease, and I'm healthy thus far. Please help) Located in Atlanta Georgia, USA"


Car insurance ( diabetes )?
havent been dishonest i have notified dvla i have diabeties thats why i have a 3 year medical licence so i can be reviewed every 3 years and ive been told to tell my insurance or it will be void ... thats why i asked do they get intouch with you or do i need to get intouch


Should I buy Return of Premium or Term Insurance?
Thanks for all the responses everyone. I failed to mention I was looking at a 1-2 million dollar policy. When I ran the ROP to term numbers, a 1-2 million dollar policy with term would come out to approximately 36-69 dollars per month for 20 years. A ROP for 30 years and that amount would come out to 87-168 dollars per month with a 4.5-5% return (according to the charts of course). Some say invest and go with term; others say go with ROP if the return makes sense. Now that I have numbers to work with, anyone care to share their thoughts?"


Will a insurance company that claims to cover Sex reassignment
or genital reconstruction, also cover top surgery?"


Car Insurance Question?
Thanks so far with your advice. Since I am still waiting on an answer from Progressive, here's a further scenario. Even if Progressive chooses to accept payment for the accident and they deem the car totaled since the damages exceed the 'car's value'...then they would give me a check for the 'car's value'...and not give the amount for damages correct? In this case I would be netting negative in the situation still wouldnt' I? I'd still have to make up the difference in order to purchase a replacement. (Because even a estimated fair/good vehicle worth is lower than to buy a used retailed/third party car of the same make, model, year, etc.)"


Home Owners Insurance Question?
I let my friend borrow my trailer, and while he had it, it was stolen. So, the trailer was stolen while on his property. Would my home owners insurance cover this? If not, what steps do I need to take to get this covered?"


Cheap entrepreneur health insurance?
I would like to starting my own business and working from home. Does anyone know of any good and cheap health insurance for this? I go to the doctor a lot because of some mystery disease, so I MUST have insurance. (and this health problem is also the reason I have to start working at home.) Thanks so much if you can help me out!"


How much would the insurance of a 125 cc Honda Innova cost in Ireland ?
I'm 17 turning 18 in december and want to start driving the bike .


Any advice for a 17 year old in regards car insurance?
Any advice for a 17 year old in regards car insurance?


My father is a U.S. resident. What are his options for health insurance if his employer doesn't offer it?
Can he apply for Social Security or Obama Care? He is dependent on medication so I really need to find him health insurance coverage because his employer does not provide it to their employers.


"Health insurance, deductible or no deductible?"
I'm looking at the Blue Shield of California Active Start 35 plan for me and my 2 year old son. It's going to cost around $200/month through ehealthinsurance Here's a link: http://askoleg.com/Blue_Shield_Active_Start_Plan_35_ppo.htm The plan features: No individual deductible Annual Copayment Maximum $7,500 Annual Physical Exam, Well-Baby Care $35 (Not subject to deductible) Laboratory, X-Ray, Major Diagnostic Services 40% (Not subject to deductible) Physician Office Visits $35 (Not subject to deductible) I do not have insurance at the moment and my son has a PPO with Anthem and a $1,500 deductible with almost the same listed here. The only difference is there is no deductible with the plan above. I'm really in need of some help, if anyone can give me good advice, I would appreciate it very much!"


Cashing in on a modified whole life insurance?
I purchase an insurance on my sons when they were in their teens an now they are in their 30s an they want help pay the premiums so im wan tin to cash them in because ive grown tired of paying for something that they want help with . I notice while reading the policy that it says owner on file im the one paying for this so shouldn't I be the owner or are they something I should know before I call them