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How is the loan value of a whole life insurance policy determined?

How is the loan value of a whole life insurance policy determined?

How is the loan value of a whole life insurance policy determined?

I am providing a service (legally) for someone. I don’t want a loan – I just need to know the amount so I can document the loan/cash value of the asset. So I was looking for a percentage or formula to calculate it.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Ok big decision here so I need some expert advice. Question about Life Insurance?

I’m buying Life Insurance. I have a 8 month old and I’m 28, non smoker and in perfect health. I got a quote that is for 30 years and for a 1,000,000 premium I would pay 70.84 a month. There is another premium where I would pay 104.17 a month and I would get all the money back in 30 years. If I went with the 70.84 a month I would get nothing back. I’m not sure about the time value of money but would it be worth it to go with the 104.17 a month thinking that I will live for another 30 years. Or just go with the 70.84 a month. Also is this a good deal? or are there better options? I have another option thru another guy that will offer me life insurance thru cancer or accidental policy thru aflac. would it be better to get the accidental or cancer policy for a guy my age? He said that 50% of people get cancer at sometime in their life so I was thinking that. Thanks for any input.


No fault accident with no insurance?

I am in California, was in an accident with no insurance. The police report states it cannot find who was at fault and the lady’s insurance company said the same thing when I spoke with them to see if they would pay for my damages. They never asked me to pay for her damages but now I am getting letters from a 3rd party Claims Office asking me to pay $6000. Can they do this if I am not at fault? And shouldn’t they have notified me before getting a 3rd party involved?


Do you need motorcycle insurance to ride a 150cc gas ..scooter in Illinois?

Do you need motorcycle insurance to ride a 150cc gas scooter in Illinois?


Can I have the insurance company replace my car?!!!?

Hello everyone. I just bought a new car five days ago. Two days ago another driver crashed into the back of my new car and sped off. The other driver was caught, but I am told that my new car is in pretty bad condition and it will probably be considered a total loss. The problem is my credit is pretty bad and I had a hard time getting such a nice car, which I traded my previous vehicle for. I’m afraid that even if the other insurance company pays off my new car, I won’t be able to get another one. I have no money and nothing to trade. Even more, I really liked my new car and I want the same make and model, but I don’t think I’ll be able to find another one. What can I do? Would I be able to have the other company replace my car.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Adding additional driver to rental car insurance?

Hi I am planning to rent a car and want to add my friend as additional driver. She is 22. I am planning to take full coverage. I don’t own a car but planning to buy used car pretty soon. Do u guys think if she did any accident will that increase my monthly premiums in future on my used car. Please let me know ASAP Thanks


Got a question about changing my car color and insurance…?

So this past summer I was so close into painting my car into White! But my mom was hating on it, and she told me that if i had changed the color of my car we would had to contact the insurance people… Telling them that the car is getting a color Changed Them having to change some info on the car And the worst part… The insurances goes up? (btw… my car’s color is black) So you guys out there… Please help answering my question! would my insurance go up if I change my car’s color?” I haven’t paint the car yet.. maybe till’ the spring time since its almost winter time!!! Thanks! “


Hit and run accident driver does not have insurance?

hi i had my car parked and the person who hit it took out my whole passenger side light and even the body if the car is bent in it might even be possibly totaled i had found the driver who had hit my car went through insurance but come to find out he did not pay his insurance on time he was late 4 days there fore his insurance got cancelled the accident happened 4 days after his insurance got cancelled ? what do i even do now i have no car to get to work and i have been almost fired because of not having transportation for an entire week


How is the loan value of a whole life insurance policy determined?

I am providing a service (legally) for someone. I don’t want a loan – I just need to know the amount so I can document the loan/cash value of the asset. So I was looking for a percentage or formula to calculate it.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


How much is the insurance for a 16 year old with a camaro?

I really want a camaro LS for my birthday but my parents said the insurace would be too much, so i was wondering how much the insurance would be, for a 16 year old girl with good grades who got an A in drivers ed?


How reliable is Erie auto insurance?

I’m a 17 year old boy living in maryland and i just got my car. its a black 1995 acura integra ls and im the ONLY licensed driver in my family so the insurance policy will have me as the primary driver. I got a quote online from Erie and it said i can expect to pay $1200 – $2000 a year for insurance if i insure under minimum deductables. that sounds like a great deal but since its so cheap it sounds kinda fishy if you have Erie auto insurance or worked for them or something, are they reliable? do they jack up the rates really high after an accident? Thanks!


Driver’s License and Health Insurance questions?

Well it happened I am out of colllege, no longer a full-time student. However my name is still on my parent’s health insurance. It states that I have to be a full time student. Does this mean it is void? Do I need to get my own health insurance now? What about Car/life/homeowner’s? Where would I even start? I am 22, if that affects anything. Also I have a driver’s license from a different state (Mississippi) than the one I currently live in (Missouri). Now that I am not a full-time student do I need to get a new driver’s license from the state that I do live in (Missouri)? My license says that it is valid until 2011, but I don’t live in that state (Mississippi) anymore…? I don’t want a new license but I do live permamently in Missouri now. What do I do?


What cars are cheapest for road tax?

All these new guidelines. What would be the cheapest car to run, tax, and insure?


What is the cheapest insurance if you have a DWI?

Transfering from Missouri where I have American Family. I am moving to Louisiana and American Family doesn’t write there. I’ve only looked at progressive and they were pretty expensive, mass mutual wouldnt take an SR-22. Any suggestions?


Does U.S. car insurance (Allstate) cover you in Puerto Rico?

Does U.S. car insurance (Allstate) cover you in Puerto Rico?


Hawaii health insurance providers?

I am looking for some online info on getting health insurance in Hawaii, any island.


Health Insurance Vs No Health Insurance?

Joe is currently unemployed and without health insurance coverage. He derives utility (U) from his interest income on his savings (Y) according to the following function: U = 5(Y1/2) Joe presently makes about $40,000 of interest income per year. He realizes that there is about a 5 percent probability that he may suffer a heart attack. The cost of treatment will be about $20,000 if a heart attack occurs. a. Calculate Joe’s expected utility level without any health insurance coverage. b. Calculate Joe’s expected income without any insurance coverage. c. Suppose Joe must pay a premium of $1,500 for health insurance coverage with ACME insurance. Would he buy the health insurance? Why or why not? d. Suppose now that the government passes a law that allows all people—not just the self-employed or employed—to have their entire insurance premium exempted from taxes. Joe is in the 33 percent tax bracket. Would he buy the health insurance at a premium cost of $1,500? Why or why not? What implications can be drawn from the analysis?


How is the loan value of a whole life insurance policy determined?

I am providing a service (legally) for someone. I don’t want a loan – I just need to know the amount so I can document the loan/cash value of the asset. So I was looking for a percentage or formula to calculate it.

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


What are your reviews for Geico and Progressive?

We have Amica insurance and they cost $1200 a year and our car is Saturn ION 2 2004 sedan. This is financed car so we need full coverage. With clean driving history and clean car history do you think this is a good price? Should we try other companies to compare? What are your reviews about Geico and Progressive? Do you think they are good companies and can give us better rates?


Old car insurance help?

ok thanks, this new car is more expensive with the old insurance company i got but i can get cheaper if i moved to a different insurance company


Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can’t bend it certain ways, and am beginning to suspect a hairline fracture…if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I’m still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I’m assuming I don’t need a referral from my PCM to go to the hospital/get X-rays, is this correct?)


UK Car insurance in-between switching cars?

I currently have 3 years NCB and with this year added (i.e. 4 years) I will be able to add ncb protection. Which is why I don’t want cancel the policy midway and lose this 4th year. I guess the £2000 is for switching from a 1.6 to a 2.0 T for a 21 year old. Even so it turns out with other companies for car B they are offering £700 annually which is why I am switching providers in December.


Is it possible to put my dad under my insurance?

I just started a new job and in a few months ill be eligible for health insurance. I’m 19 my dad is 47 hes unemployed and not eligible for medicaid.


Okay in CA is it possible to own a car have a full time job and go to college?

right now I got no car, insurance, i have a part time job an soon a place to live oh yeah no license and i’m 19 where do i even start fixing things?


Does anyone know where i could get a car for my driving test? I need insurance as well. I am 16 years old?

I am going to go get my licence. I am 16 years old in California. The problem is, i don’t have a car. Please don’t ask me what i’m going to do with my licence if i dont have a car (it’s a long story). I need a car i can take with me to do my road test. The DMV also needs proof of insurance. Please tell me where i could get a car and get the proof of insurance. Thanks!!!!!!!!


Mandated Health Insurance is different from Mandated Auto Insurance how?

Okay, then I will have to opt out of getting sick and going to an emergency room and stick you with the bill because I do not have health insurance, right? Well, I will not opt out and I will go to the emergency room and I will stick you with the bill and there will be many millions of others doing the same thing and sticking you with that bill, too. 2 seconds ago

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


My dog is on quarantine after biting someone…will they put him down?

I feel so guilty and bad for my dog. Right when I leave trough my back door to walk my dog our elderly neighbor cuts a corner (we live in a corner house) and my dog bites her out of nowhere. It happened so fast I couldn’t react fast enough to prevent it, but he bit her right butcheek. She called the police, and then went to the hospital and we had to take our dog to the shelter to quarantine. He’s had his rabies shot, this is his first bite (age 6 lab), and we reside in California. I think he was trying to protect the house and me, but he has always been aggressive towards strangers near our home/ who try to approach him. However, he is a sweet and playful dog to friends and family. I know he won’t get put down for rabies he doesn’t have it, but I’m worried since he’s on quarantine at the shelter he’s going to be aggressive because he’s alone with strangers so they’re going to deem him dangerous and want to put him down. To add the cherry on top, I’m worried the woman might sue ( although the cop said she didn’t seem to want to go to that route I’m still afraid). Should I call the shelter to try to get him quarantined at home? This way he could seem less aggressive when they check him and be happy. Or should he be put down… I love him but I don’t want this to happen again or be even worse.. maybe it’s best. This hurts. I want to do something now but the shelter is closed for the next two days and ten days is agonizing for me and my dog. Please help.


Where is the best place to find medical insurance?

I was thinking specific examples. Obviously the inernet would be a great place to start.


How much does fixing a broken leg cost without health insurance?

How much does fixing a broken leg cost without health insurance?


Do college students get medical insurance?

or like some kind of discount, program kinda thing for students? I am a 2 yr college student right now, is there such a thing? do I have to check with my school? thanks!



BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

Driver doesn’t have license or insurance?

My fiance sister is 19 & keeps taken their mom’s car with total permission. She has a permit but not a license or insurance. What would/could she be charged with if she was pulled over or in an accident. Could his mom get in trouble too? I thought his mom had to press Grand theft auto charges for the insurance company to fix/replace the car. What happens with Grand theft auto charges?


How is the loan value of a whole life insurance policy determined?

I am providing a service (legally) for someone. I don’t want a loan – I just need to know the amount so I can document the loan/cash value of the asset. So I was looking for a percentage or formula to calculate it.


Car insurance for 20 year old?

hey im 20 year old just passed my driving licence and the insurance quote i get on a 1.0 corsa breeze is ridiculous. i live in a high crime part of london but the insurance company’s want about 1500 pound a MONTH from me. anyone know what it should actually be n what i can do about it? i heard people pay max 300 pound a month at the age of 17.


Does anyone have health insuance?

I need help! I need health insurance and unable to get it due to my chron’s diease. I live in Califorina and no one will help me because my husband and I make too much money” (yeah right) I need some help on what to do please anyone”

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Cheap Drivers Insurance For Teenagers?

So im about to get my first car an it be a luxury car but i wanted to know what place would have the cheaper insurance for me, keep in mind i do have decent grades also.


What do I tell the insurance company when renewing my car insurance after I did get a ticket but did traffic school?

My Question is: What do I tell the insurance company when renewing my car insurance after I did get a ticket but did traffic school? Perhaps an insurance agent could help with this one… On the renewal questionnaire, one of the questions asks, Have you… been convicted of a traffic violation in the past twelve months?” it asks for the violation date and violation description. I did get a ticket for not coming to a complete stop before turning right at a red light (one of the cameras got me). I did not contest the ticket and did traffic school to avoid the points and increased insurance. So


Where can I find cheap” car insurance for Manhattan?”

I recently moved to Manhattan and had to bring my car. I had plan on selling it, but with no luck. So now I have to keep it and now I have no insurance. The car is in storage” right now. Can anyone suggest a “cheap” insurance company to me. I have gotten quotes from Geico


I have a work place medical insurance but my spouse does not (not offered at employment)?

I have a work place medical insurance but my spouse does not (not offered at employment) To add him to my plan would be over the 8% required for a waiver. Does this qualify for a waiver or only if the Marketplace Amount was over 8% as well?


How much would the rate be of the car insuance?

Ok. How much would car insurance cost on a 2007 BMW 335i coupe for an 18 year old driver with about 33,000 miles on the car. Also, how much would a 1999 ford Mustang gt witH 121,000 miles on the car for an 18 year old driver. the bmw will b in a covered shared lot while the mustang will be parked in an uncovered shared lot. We live in pheonix arizona. My car, the mustang, will be used for driving to work, as well as going to class. Same for my boyfriends car, the bmw. School is 4 miles away and work for me is about 25 miles aeay when his is only 1.5. Thabks for everyone who helps(:


Is it shameful” to let your son/daughter go without health insurance?”

When I turned 21, I got taken off my parents’ health insurance. I did not have a job at the time, and could not afford to buy insurance on my own, so I was forced to go without it. Well, I became very sick and was hospitalized for 4 days with food poisoning. The hospital bills total around $50,000, and I was denied Medicaid because I was paying $1400 a month in rent (money I accumulated through prostitution, if you want the truth), and the hospital’s social worker felt if I could afford $1400/month in rent, I could afford the hospital bills. Friends of mine at the time were really hard on my parents, especially my mom, saying what kind of a lousy mother would let her son go without health insurance?” No editorial comment from me. I’m just curious what other people think. Do I have lousy parents because they let me go without health insurance?”


Car insurance question?

if my tires got slashed and i called my insurance company, will they put a point on my record?


How much does nationwide life insurance cost?..?

How much does nationwide life insurance cost?


Does car insurance really go down when you get married?

I have heard that insurance goes down once you get married. Is this true? If it is, how much? Is it significan’t? Do you have to be married before you turn 25 for this to apply? I have heard so many conflicting answers. Help??..

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


Insurance agents – Life insurance commissions?

Hello everybody, I am hoping to find life insurance agents working with different companies. my question is what is the commission I can accept to receive from different publicly traded companies what offere not only auto, home and others but also life and disability?? I am currently working with Mutual Company and I am a captive agent and only receive 35-55% commission on any life insurance produce i sell and it seems like it was important for me before to work for a mutual company and never was conserned about low commission, but I am also getting invoved with Auto and home insurances and i am hearing that these public companies offer higher commission and let me tell you now days I want to get higher commission becuase the industry has slowed down for me and I am interested to make the most out of what I do right now… any information about commissions with different companies would be appreciated…. I am open to any advise, suggestion, information, and comments…. thank you all


How is the loan value of a whole life insurance policy determined?

I am providing a service (legally) for someone. I don’t want a loan – I just need to know the amount so I can document the loan/cash value of the asset. So I was looking for a percentage or formula to calculate it.


Can you get car insurance and motorcycle insurance on the same policy?

I asked the companie that insures my car and they said they didnt know. maybe i will check out geico.


Am looking for perscription insurance for my low income mom (86)?

She is on med eye drops, her regence ins. costs her $116. and yet she has to pay $110 for the drops. She has about the lowest ss u can get due to being born in the year 1921. Not sure why that is that she gets less then other years born. I get very confused trying to understand SS rules and insurance stuff and the senior advisors didnt help either.


Buy a life insurance policy?

I am not going to die right away can anyone tell me if it would make sense to get a life insurance policy and then sell it to someone to cash out on that policy because I have no credit and I need to raise some cash yesterday.Does this work and how much would it cost to buy an insurance policy that someone would be interested in buying ?


How much would insurance be on a rebuilt car?

I am planning on purchasing a car with front and right side damage. The car will run and drive. The repairs are pretty minor. It will need a front bumper, grille, hood, headlight and front right fender. No engine damage. Will the insurance be higher or lower because it was salvaged?” And


At canada’s wonderland can I bring my dog.?

wow what, how is it good to leave your dog at home, not let it out for the WHOLE day or not let it drink or eat, that just sounds cruel.


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