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Hyundai cars?
So how is the rating crash wise?


"Life insurance question - whole life, bank on yourself/infinite banking, term life?"
Hello, my husband and I are in early 40s, with a 1 year old son. We both work full time. We bought a house on a 30 year mortgage last year. We are looking for a life insurance for each of us and inquired the same company that has our car and home insurance about it. We arent really knowledgeable about various insurance products. We knew there was term and permanent life insurance, but not about different permanent options (whole, universal, etc.). I had imagined that we would go with a cheap, term life insurance. When we talked with the agent, he started off by talking about bank on yourself (infinite banking) concept. We finished the meeting without digesting all the information, but after looking at various information on the web, Im still not sure if it is a good idea or not. What we want the life insurance to cover if one of us dies now/soon is at least half the cost of raising our son (until hes 21, so maybe 20 more years?), half the remaining balance on the mortgage, funeral cost, and amount we would have saved in the coming years for our sons college. I tentatively calculated that to be about 300,000. However, if we dont die until were 70, most of our mortgage would be paid off, we would have already paid for his college tuition, so we dont need that much coverage. I have read that people should re-examine their insurance needs periodically and adjust their coverage from time to time. But then I imagine if we re-examine and adjust our coverage when were 50, 60, or 70, our premiums would be much higher (assuming adjusting our insurance=change to smaller coverage would be equivalent of starting new policy; please let me know if this is wrong). I wonder, if taking a whole life policy and taking the money out (=banking on ourselves) for our sons tuition and some additional principal payment on the house would be a way to adjust the size of our insurance, without increasing the premium (from refreshing our policy at an older age)? If we take out that money from our policy and not pay back in full, then I imagine our death benefit would be smaller, but thats fine if its after weve paid for most of our mortgage or our sons tuition. Is this thinking on the right track? What I understood before is it is usually the best to buy term insurance and if you have extra money, invest in other vehicles, rather than buying more expensive insurance. Would this still hold true in this case as well? Also, if we are to look around into other companies, which ones do you recommend? I also dont quite understand paying back what you withdraw with interest when you bank on yourself. Who are you paying the interest to to the insurance company (theyre making profit, Im losing money), or myself (we're making money)? Another question: in the whole life scenario that the agent showed us, the cash value does not seem to exceed the totally premium paid until 18th year (cash surrender value in non-guaranteed illustrated values), and in guaranteed values scenario, the guaranteed cash value never exceeds totally premium paid. Is this common? Its dividend also never seems to reach the point where it pays for itself (amount of dividend >premium). Does this seem right? I would appreciate your input. Thank you!"


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?


Where can I get the best car insurance rates?
I have been on the same plan for 10 years now and they charge $165 each month which is ridiculous. Any idea what is the best company to get a better insurance rate?


"Can you recommend a good,cheap insurance for a 17 year old??
I don't want to be on my mom's because mine will be higher than normal because hers is already really high.I'd rather just have my own insurance.Thanks in advance!!


Car insurance??????? UK?
where can i get a rough idea of what i might pay for insurance, if i pass next week?!!!!!!! Everywhere i try wants a reg. no. But all i want for now is a rough idea so i can see what insurance groups i can choose a car in. Fanx :0)"


Buying a used car insurance question?
i meant exception haha my bad


Do I need life insurance for my baby?
I am about to have a baby, and see lots of ads for the Gerber Life Insurance for children, but don't know if I need it. The price seems to be less than what I would have to pay at my job. Is this something I need?"


Got my first speeding ticket. How much will my insurance go up?
I was on my way to work and I got clocked at 65 mph in a 50 mph zone. I haven't told my parents and I am scared for when they find out. It's my first speeding ticket and even the first time I had ever been pulled over. The ticket was for $103.33. I paid for it and it is all taken care of I think. I was driving my mom's new car. My brother has had a lot of traffic tickets on the same insurance too, but not the same car. So how much do you think the insurance is going to go up? Or do you think it is going to go up at all?"


How much does owning a cat cost you?
I'm looking into getting a cat, and while my financial situation is pretty stable right now, I'm not wealthy by any means and I do have some long-term things I'm saving up for. I'd really like the companionship of an animal but before getting one I have to make sure I can provide for it financially. Obviously it differs depending on where you live and so forth, but could anyone give me a general idea of the cost of owning a cat? Including one-time expenses like the animal itself, collar, crate, etc. and also recurring expenses such as food, litter, healthcare, and toys. How could I potentially save a bit of money here and there without compensating quality? Thanks in advance!"


To renegotiate or to cancel my whole life insurance ?
Hello, When I was 25 y.o (non-smoking, healthy female without family), I was convinced to buy whole life insurance. I had to pay 2000$/yr for 20 years for 100K base coverage. I was told that it's a great investment tool, because by the time I was going to be 65, the policy would accumulate almost 1M$ and then I could borrow against it and have a nice retirement. I'm not so convinced anymore. I paid for 3 years and then I lost my job and reduced the payments to 1000$/yr, which brought my coverage to 60K (at 28 y.o) ! So up to today, I have paid 2000*3+2*1000=8000$. My coverage is 64.8K only. If I understand well my statement, the cash value now is 4609$. I have another 15 years to go with this insurance. Is it better to cancel it or to continue with it ? Or is it possible to renegotiate the insurance, because it really seems like a bad deal now ? Thanks so much !"


Can I upgrade my Blue Shield Health Insurance to cover Mental Health?
In May I got Blue Shield health insurance, but it doesn't cover non-severe mental health services. I want to start seeing a psychologist, but they are expensive. I know that some of the other Blue Shield plans cover non-severe outpatient mental health services, so would it be possible for me to upgrade to one of those plans? Also, I have no pre-existing mental health conditions."


Cancelling car insurance?
In March of 2007, my mom bought a car which she pays back the loan of the car monthly. The other day she visited the car dealer (Barnes Wheaton) finding that she still has a lot she owes back. Besides paying interest, my mom wondered where all her money was going to. It was then that she found out that along with buying her car and paying for it, she also pays for two different types of insurances that she wasnt aware of nor does she need. Because she pays for two types of insurance, instead of taking three years to pay off the car if there was no insurance, it will take her seven years. When she asked if she could cancel the insurance, the dealers said it was too late to do so. So FINALLY my question is, is there any loop holes or any way my mom can cancel her car insurance that was included with the purchase of the car? Please and thank you "


What can I do if i do not agree with the auto insurance settlement?
What can I do if i do not agree with the auto insurance settlement?


How much might insurance be...?
On a car like a 2008 Hyundai elantra for a guy under 25 if it was new?


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On homeowners insurance .. What is the difference between Replacement cost and Acutal cash Value? what pays mo
What pays more and what is the least expensive?? please some one explain to me in detail.. Does my home need to be insured with the market value???


"Politics: Isn't funny how the people who whine loudest about people losing their health insurance, are fighting to take it away for so many?"
Does Mitch McConnel really think the hundreds of thousands of Kentuckyians who got insurance through the state exchange, will be happy to lose it again? Or does he believe the Kentucky taxpayer is ready to foot 100% of the program, the only way it will keep going once Obamacare is repealed root and branch""?"""


What is the lowest quote that people are getting from this site?
I managed to save 150 p/month. Can anyone find a better quote from this resource? http://www.adrian-flux-cheap-car-insurance.blogspot.com


Where can I get auto insurance at a reasonable rate in the GTA?
I am a teen driver and just got my G2 license, and I'd like to buy a car (I'm in school and I have a job) but would like to know if I could find reasonable insurance rates ($0 - $150 MAX) in and around the Greater Toronto Area. Please list companies or brokers. Thanks in advance."


Trans: How much did your transition cost?
Trans: How much did your transition cost?


What are some cars with easily tunable engines and low insurance?
i need a car that i can make faster but i don't wanna pay alot f insurance. specific models please


Has the economy effected the auto insurance rates for individual policies?
Has the economy effected the auto insurance rates for individual policies?


What Insurance is the cheapest for teenagers in texas?
What Insurance is the cheapest for teenagers in texas?


Roughly how much will my insurance cost? (New driver)?
When I say new driver, I haven't passed my test yet. I want the car to practice before taking my test. I have had next to no driving lessons."


What car is cheap for insurance?
I'm 17 year old im looking for a car I have got to the point of I want anything thats ok but insurance is killing me so I came up with a few cars let me know if it's good on insurance . 89 Silvia s13k ,98 gto twin turbo ,98 pointac grand prix and if you have any cars that you suggest or insurance plains that I should look into let me know."


Low income health insurance?
One of my friends recently came to US from a different country. She sold whatever she had and came to US with 25000$. Recently since she was sick she had to go to emergency room for three days. The problem is she did not have any kind of health insurance. Somebody in the hospital told her that she might be eligible for special kind of low income insurance. Her salary is 900$ per month and she get some help from her brother to be able to pay for rent and living costs. Here is my question: does having 25000$ in the bank account disqualify her for this low income insurance? Do they expect that she pay nearly all these 25000$ for the cost of her visit to emergency room? She was asked to provide all the documents regarding her bank accounts, rent she pays and documents showing her income. She is living in Bay area."


I would like to sign up for life insurance im 26. I have it already but i would like more coverage.?
Can anyone tell me a good life insurance. Right now i have term accidental death life insurance through my employer.


Which Ohio medicaid plan can be transferred to real insurance?
I cannot afford to purchase a policy because TOO MANY taxes come out. I am PAYING my share into Medicaid and social security (I will never get to use medicare or ss however), so as I see it, I am PAYING for Medicaid. I should get a better policy than the people on welfare who chose to NOT work."


Someone crashed into me and they admitted liability as it was their fault but i wasnt insured?
I called my insurance straight away and they advised my insurance had ended 3 weeks previous, I thought it was automatically renewed as i recieved motor insurance confirmation documents but they said it wasnt automatically renewed. What will happen with the claim now? I obviously renewed my insurance straight away when i realised as I would never have drove without insurance had i known, It was just a minor crash but I want to know if anything will happen to me as I wasnt insured? Thanks"


My application for Healthy kids(for my baby)is approved by Michigan health dept. How to cancel group insurance?
How can i cancel the group insurance plan that my employer is providing becasue my indian company enrolled me for their group health insurance plan and told that once you enroll, untill their is any reasonable reason you cannot cancel it. How can i cancel it now ? They cut 940 dollars."


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Best insurance lead companies?
i am about to shut down my insurance agency and loose everything, does anyone out there know how to get good auto or home insurance leads ?"


Can a dying person get life insurance?
My husband is the only family member. We cannot absorb this and I am in a panic.


I'm stuggling to find car insurance HELP!?
I'm 21 and i past my driving test in may 2011 and got my car in july, I was insured by swiftcover for 145 per month but then I become ill and had to leave work so I couldn't afford the payments and decided to cancell my insurance til I could get back to work, but when I tried to renew my claim with swiftcover then said their policies have changed and they can no longer provide insurance for people who have been driving less then 4 years! So now every other insuance company want around 250-280 per month and I just can't afford this. Do u know any cheap insurers that take on young drivers in the UK, HELP!"


How can I get a lien from the Rawlings Group against a lawsuit settlement reduced?
I understand what subrogation is and I am familiar with Made Whole Doctrine and all of that other good stuff! This thing has been on going for several years now. I do not wish to continue this any longer. I am ready to settle now. So I would like to hear from someone that has experience dealing with these liens and can suggest a few methods to get The Rawlings Group to lower the lien amount.


"I have a whole life insurance and want to take the cash value, what is the best way to do it?"
After reading about buying term and investing the difference, I found out that I can save hundreds of dollars a month by buying a 30 year term policy and get more coverage. With the money I saved, it gives me options on what I can do. Besides investing it, I can also pay a little more into my debt payments. I have about $32k in the cash value, after surrender charges, its $28k. I want to get the most out of my money, but not sure what to do. I can't put it all in my Roth IRA. I don't want to save it in my bank account since I only get 0.75% interest on it."


I've been cancelled by Intact Insurance Co.?
I got cancelled for non-payment in 2014. I would like to go with another company (Economical)... Can I still go with the company economical? The reason why I ask, is because people have told me that if i've been cancelled then I cannot go with another company for minimum 3 years. Any answers will help! Thanks!"


Do I need insurance to be taught driving by my parents?
I just got my provisional license and I checked on the official website and they do not mention if you need insurance or not https://www.gov.uk/driving-lessons-who-can-teach-you The car is insured on my dads name so Im just wondering if he can teach me without me getting insured on that car. Thanks


Health Insurance! Help!!?
right now i work for the state and get free health insurance. However, I am paying 200 a month for my wife. We are both 20 years old. I feel like this is a waste of money due to the fact she never goes to the doctor. Ever. Its nice having this just in case "" but the realization is I am sick of paying all this for something she does not use AT ALL. I feel like I would be better off putting all this in a savings account instead and just put it off. I dont want to get her off health insurance though. she never goes to the doctor"


Classic Car Insurance for Young Irish Drivers?
I'm looking to insure a 1989 Ford Transit and can't seem to find anyone that can do this as I am only 22. Has anyone ever been able to solve this problem in Ireland? I already have a full policy on a primary car


What is the best car insurance company?
I need to know what the cheapest car insurance is and is also reliable and still covers almost anything...(if such a thing exists) can someone help me?


How much is insurance per month?
Insurance for a car. I'm going to buy a used car for no more than $3000, for getting to and fro school. How much would insurance be? Is insurance where you take out a loan and pay back on it month by month, forever? Or can you cease it at anytime?"


Can I be sued for a car accident if my insurance already paid the woman?
can a person come after me for injuries from a car accident? We had insurance and the woman sued my ins. Now they are coming after my husband and daughter. My daughter was driving his car and she was under our policy. My husband has since passed away. He was not in the car.This was a fender bender in a parking lot for God sakes. Will this woman try and come after me! Why isn't my insurance taking care of this. I have no money and no job. I've lost my husband. My daughter is a recovering heroin addict who is trying to turn her life around. She certainly has no money. please help!


How much would i pay for car insurance? Estimate?
I know that it depends on a lot of factors but can you estimate how much i would pay for car insurance on a monthly basis - I am 18 years old - will be driving either a 1999 or 2000 model - will be attending college after the summer - clear background - this will be my first car - I live in a very wired and exotic place called MARYLAND


Lending your car to somebody - insurance issues?
This is for Ontario drivers in specific, however any information is appreciated. Basically, what are the legalities of lending your car to somebody (just for a day)? What happens if they get in an accident? Does your insurance cover it? Would your rates go up? Thanks!!"


Car Insurance Questions For Some Cars?
I dont no if this is possible but i was wondering if you might no roughly how much it would cost insurance wise for some of these cars. Im 17 male, live in Ontario, 75% school average and first driver of the Used car. CARS- (1) 2005 audi TT (2) 2008 chevy cobalt (3) 2008 Mitsubishi Lancer gts (4) 2008 Saturn Ion (5) 2007 mazda 3 (6) 2008 Scion Tc"


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