Please explain this email from life insurance?

I’m thinking of cancelling my life insurance plan. I sent them an email and this what i received but i’m kinda confused. Can you please explain in a easy ABC understandablew way: So the cash value after cancelling will be $1,389.10? If you discontinue paying the premiums your policy’s non-forfeiture option, Non-Forfeiture Continued Insurance (NFCI) will go into effect. This option allows us to apply the net cash value to purchase term insurance for the current death benefit amount provided under the policy for as long a term as that cash value can provide. The length of the term depends on the amount of coverage, the size of the net cash value, and the insured’s attained age when the option is exercised. The policy will continue under the NFCI until the expiry date at which time the cash value is exhausted. As of 3/22/14 the NFCI amount is $200131.00 and expiry date is 3/15/2022. There is an option called Reduced Paid Up. Under this option, the net cash value of the policy can be used as a net single premium to purchase paid-up life insurance of the same plan as the original policy. This simply means the policy will be fully paid up with no future premium payments due. The amount of paid-up insurance is usually smaller than the face value of the policy. It takes approximately 3 months from the date of the last unpaid premium for the policy’s reduced paid-up option to take affect. If you elect this option, the amount of paid up insurance as of 3/22/14 will be $9331.00. A form is required if you would like to elect this option. If you are interested, please let me know. If you cash surrender the policy, this will cancel the policy and the cash value quote as of 1/22/14 is $1389.10.

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


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How much do color contacts cost prescribed with insurance?

and will it be free, because when i had to get glasses 2 year ago they were $160 and i got them for free for my insurance so i have to wait 2 years before i can get a new pair of glasses for free but this time i want color contacts will it be free and where can i get some???.


Does your vehicle colour affect your insurance rates?

A friend of mine was told this by someone a little while ago and she recently passed it onto me. She said he also mentioned that black and red vehicles have the highest rates. It seems a little far fetched to me but I’m wondering, does anyone know if this is actually true?


How long will it take for your auto insurance cost to go down?

How long will it take for your auto insurance cost to go down?


Cost of mole removal without insurance?

What is the average cost of 1 mole removal from your face without insurance in California? How much does the whole procedure cost? Do you have to pay to set up an appt with a derm?

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

Hello im 16 years old and looking into getting a Mitsubishi 3000 gt and im not sure about the insurance cost…is there anybody that owns and ones?

Hello im 16 years old and looking into getting a Mitsubishi 3000 gt and im not sure about the insurance cost…is there anybody that owns and ones?


Which insurance plan should i get on the obama care/affordable health care site my main concern is being able to get medicine for my adhd?

i am 24 years of age. no job. no kids and i live in north carolina


Is there a difference between homeowner’s insurance and mortgage insurance?

Is there a difference between homeowner’s insurance and mortgage insurance?


Please explain this email from life insurance?

I’m thinking of cancelling my life insurance plan. I sent them an email and this what i received but i’m kinda confused. Can you please explain in a easy ABC understandablew way: So the cash value after cancelling will be $1,389.10? If you discontinue paying the premiums your policy’s non-forfeiture option, Non-Forfeiture Continued Insurance (NFCI) will go into effect. This option allows us to apply the net cash value to purchase term insurance for the current death benefit amount provided under the policy for as long a term as that cash value can provide. The length of the term depends on the amount of coverage, the size of the net cash value, and the insured’s attained age when the option is exercised. The policy will continue under the NFCI until the expiry date at which time the cash value is exhausted. As of 3/22/14 the NFCI amount is $200131.00 and expiry date is 3/15/2022. There is an option called Reduced Paid Up. Under this option, the net cash value of the policy can be used as a net single premium to purchase paid-up life insurance of the same plan as the original policy. This simply means the policy will be fully paid up with no future premium payments due. The amount of paid-up insurance is usually smaller than the face value of the policy. It takes approximately 3 months from the date of the last unpaid premium for the policy’s reduced paid-up option to take affect. If you elect this option, the amount of paid up insurance as of 3/22/14 will be $9331.00. A form is required if you would like to elect this option. If you are interested, please let me know. If you cash surrender the policy, this will cancel the policy and the cash value quote as of 1/22/14 is $1389.10.

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


Is cheap insurance coverage reliable?..?

Is cheap insurance coverage reliable?


On whos name should be the insurance?

need help with car insurance. the car is registerested on my girlfriend… and current insurance is on her name – but we both included … now we want to change company… the only thing is that my girlfriend currently is not in country… can I buy insurance on my name with both included even if the car is registered on her name?


Auto insurance not enough to cover accident?

No injuries but the damages were 13000 and my policy only covers $10000 which means it’s $3000 short and I could be sued by their insurance provider for it, or they can settle and pay the rest to their customer themselves. Which is more likely? The difference isn’t that substantial so I’m hoping they won’t try to come after me for it. Any ideas/experience with this kind of thing? I live in an apt. I bought another car, a cheap car so I don’t have much in the way of assets if that has anything to do with it. Actually I have more student loans then assets. how often do they attempt to sue someone in this situation?


Where can i buy fast food delivery insurance? UK?

Im wanting to work as delivery driver, delivery pizza/chinese food etc however i cant do this on my normal insurance for the car. Police are cracking down on this and i need to find some genuine car insurance that will cover my to do this job does anyone know anywhere i can go to get this.


What does it mean to have full coverage?

It’s too late to call a auto company so I am asking it here, I live with my girlfriend and was wonder about getting full coverage on my car, we want to know if I get full coverage would she be able to drive my car legally without putting her on my insurance?


Insurance and forclose home?

i could not work and my husband lost his job we could not pay mortgage so we call the bank told them that we could not they didn’t want to help so we started to move out in to a family home cuz we had no where else to go be for we even got all of are stuff out they changed the locks on us no notice at all its been locked up since dec 23 2010 they already filed a civil suit we canceled the insurance a few days ago cuz we have been told since they locked us out we are no longer responsible for the house today i got a letter saying they want proof of insurance for the house what should i do we cant even set foot in the house why should we have to pay for insurance


Is forcing 30 million people to buy insurance from the private industry (see details)…?

Felonius Monkey: I couldn’t agree with you more. I am about as left as you can get and believe in universal health care. My problem with being forced to purchase insurance is that my only option will be outrageously expensive private insurance. If nothing is being done about the cost of health insurance, and no public option will be available, then I think it’s a wee bit inaccurate to describe forcing us to buy it as expanding” it to us.”


Someone backed into my car and we exchanged insurance information, but now the insurance company can’t get ahold of him, what do I do?

I was parked at a gas station, walking to the doo,r when I watched a guy back into my car crushing my back passenger door. He tried to take off, but I ran after him. I fell and busted my knee in the process, but he stopped. I got a picture of his insurance and drivers license. I contacted his and my insurance company and they came and looked at the damage. Now they are saying they can’t get a hold of him to get a statement because he has liability only. So getting my car repaired has been put on hold. I don’t want to go to court, I just want my car fixed. Any advice?


Please explain this email from life insurance?

I’m thinking of cancelling my life insurance plan. I sent them an email and this what i received but i’m kinda confused. Can you please explain in a easy ABC understandablew way: So the cash value after cancelling will be $1,389.10? If you discontinue paying the premiums your policy’s non-forfeiture option, Non-Forfeiture Continued Insurance (NFCI) will go into effect. This option allows us to apply the net cash value to purchase term insurance for the current death benefit amount provided under the policy for as long a term as that cash value can provide. The length of the term depends on the amount of coverage, the size of the net cash value, and the insured’s attained age when the option is exercised. The policy will continue under the NFCI until the expiry date at which time the cash value is exhausted. As of 3/22/14 the NFCI amount is $200131.00 and expiry date is 3/15/2022. There is an option called Reduced Paid Up. Under this option, the net cash value of the policy can be used as a net single premium to purchase paid-up life insurance of the same plan as the original policy. This simply means the policy will be fully paid up with no future premium payments due. The amount of paid-up insurance is usually smaller than the face value of the policy. It takes approximately 3 months from the date of the last unpaid premium for the policy’s reduced paid-up option to take affect. If you elect this option, the amount of paid up insurance as of 3/22/14 will be $9331.00. A form is required if you would like to elect this option. If you are interested, please let me know. If you cash surrender the policy, this will cancel the policy and the cash value quote as of 1/22/14 is $1389.10.

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


Does anybody know of a company that will insure me daily on hire and reward insurance?

I want to run a one vehicle WAV (wheel chair accessible vehicle for disabled people) car hire/rental business serving Hertfordshire the customer would hire the car and arrange for a person to drive it for them. On the odd occasion the hirer does not have anybody to drive the car for them they might want me to drive for them I have been told to do this I would need a private vehicle hire licence (mini cab drivers licence) also hire and reward insurance along with a mini cab office operator’s licence and the vehicle would need to be plated (tested) This is not a problem except for the hire and reward insurance which would be about £3000 per year and would not be cost effective for the amount of driving I would be doing (I would probably only be driving a customer 1 day per week). Does anybody know of a company that will insure me daily on hire and reward insurance?


Can I go to a doctor and claim no insurance even though I have health insurance?

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Which is better hmo or ppo insurance?

Which is better hmo or ppo insurance?


Which life insurance company to choose?

I need better life insurance. I am so afraid of something happened to me then my husband or son to have nothing but my debt. Or if something happened to both of us then our son would be left with nothing except enough to cover funeral. I have NO idea which company to even start with. There are sooo many. Metlife, Prudential, Allstate……….. I dont even know how much would be a good amount. $100,000….$200,000? Help, I have never done this before. I have just the crumby policy through my employer and its only like $7,000 or $10,000 or something.


My car insurance was voided in the past, and now I can’t get a quote anywhere, can anyone help?!?

When I started learning to drive at 17, I decided to buy my self a cheap car so that I’d be able to get more experience behind the wheel, pass my test quicker and have a car as soon as I passed my test. I was insured on my provisional license with an insurance company which specialised in learner drivers. However, I ended up getting 3 points on my license the week before I passed my test, in what I still think were pretty unfair circumstances. My house doesn’t have a drive or a garage and so I had to park my car on the road in front of my house, or on a street round the corner when there were no spaces. As it was my first car I was really excited, and without understanding that I could get in trouble for it, I used to sometimes sit in my car and listen to music with my friends. The week before I passed my test we were sat chatting when a police car came down the road and pulled up behind us. Someone had broken into some allotments nearby and they were questioning us as to if we had seen anything. They searched my car- for tools that could suggest we had done it I presume, and when they found nothing they ran my license and obviously realised I only had a provisional license. I still at this point didn’t realise I had done anything wrong, I wasn’t driving the car, simply sat in it so I didn’t realise I had committed an offence. The police informed me that because the engine was running, I could have been driving or about to drive and on that basis they convicted me for driving without a license. I only got 3 points and a £60 fine due to the fact I wasn’t actually driving and at the time I accepted that with relief, I was terrified I’d get a ban or lose my license or get a massively unaffordable fine. I could have appealed but that would have meant going to court and I was only 17 and that terrified me. I declared the points to my insurance company straght away, but due to the nature of the offence my insurance was invalidated and void. I’ve only just now realised how serious having insurance voided in the past is. I’m supposed to be moving a 5 hours away in a few months for a job, and I have plenty of money saved for car insurance and a car, as without a car, the move is completely unrealistic. Without a car I won’t be able to get to work as the hours are unsocial and my job isn’t very well connected with public transport at all and so relying on public transport or taxis is simply not an option. I found a car, went to get an insurance quote, and found out that getting insurance is practically impossible when you’ve had insurance voided in the past. The points don’t seem to be a problem, when I tell companies about my points but not about my insurance voided in the past they happily give me a quote. They’re expensive, but affordable and it’s what I was expecting. However, as soon as I tell them that my insurance was voided in the past they refuse to even give me a quote. I’m completely out of options and I don’t know what to do. I need a car, but I can’t get insurance as much as I try. I know I was in the wrong, but it seems like the voided insurance is more of a punishment than the points are and surely that isn’t right? And the voided insurance will stay with me for the rest of my life, so does that mean that driving will never be an option for me? I’m sorry for the essay, I just really don’t know what to do! If anyone’s been in a similar situation with voided insurance or know of a company that would insure me then please let me know! Just anything that would help, let me know! Thank you so much in advance and sorry again for the babbling!


World Travel Car Insurance?

I want to travel the world and i want to do it by kitting out an old transit van into a sort of camper van interior style. This way i wont have to pay for accommodation. I know fuel prices will be high so i have begun saving now giving me a few years. however i was wondering if i need to pay car insurance. I am really confused by this and at the moment, the insurance for a year would be £6500!!!! I just need some information…. Cheers


Can I get sued if my insurance can’t cover a claim?

I was driving down the street and the city bus slowed down and just stopped out of nowhere and I rear ended it. I was not speeding but got a ticket for speeding to fast to avoid an accident. The speed limit was 30 mph I was driving around 24 mph. The insurance is under my cousin and the truck was mine. People was on the bus at the time. After the accident people got off some stayed on the bus. To make a long Story short, two people say they were hurt and the that huge bus against my little truck there is no way they they are hurt. My truck sustained front end damage and the bus did not get a scratch. The person who say they are Hurt are my neighbors. They know me and my brother well. I think they are lieing just to get money. I seen them walking around fine. My insurance was geico had only liability. 25,000/50,000. I don’t want to get sued because they are lying about injury they do have. The insurance company has the pictures of the accident and to make it worse the bus moved before any police came, you can move a vehicle if it’s been in an accident. He was trying to clear the bus company. The bus company was metro. All this happened in Washington dc.


Has anyone ever used einsurance.com( health or car insurances)?

i’m looking into different ways of buying insurance for my family and car. (any way to save money) i keep seeing these einsurances commericals and i’m just wondering if it is everything its cracked up to be. i have been on site and seen a lot of 2 good 2b true qoutes.

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


Where can I find basic and cheap health insurance?

I am a 25 year old part time college student looking for very basic and cheap health insurance. I had prior insurance under my father’s plan but was dropped when I turned 25. Legally I can elect COBRA continuation coverage but the monthly cost is above what I can afford. I am looking for cheap insurance that would cover doctor visits and prescriptions. I am not very knowledgeable about any of this; any advice would be greatly appreciated.


What does a good student car discount mean?

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Is it worth having private medical insurance if your in your 30s and healthy?

Is it worth having private medical insurance if your in your 30s and healthy?


Why is my Auto Insurance so high?!?

I am 20 years old paying full coverage insurance on a 2011 Nissan Versa that I am making payments on. My Credit is middle of the pack and I’ve never had a wreck or a ticket. So, can anyone tell me why my insurance is twice as high as anyone I talk to with the same set up?!? My insurance company said that it was strange, but can’t find out why it’s that high and this is my 2nd insurance company. The previous one charged a little more. I’ve gotten quotes and they’re either close to my monthly currently or are more. I am paying nearly 500 dollars a month… I hope someone out there can help me lower this insurance. Thanks ahead.



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

Any cheap car insurance in uk?

i have full uk licence and 2 years no claim bonus age 30 to 40 how can i buy the cheap car insurance.please


Please explain this email from life insurance?

I’m thinking of cancelling my life insurance plan. I sent them an email and this what i received but i’m kinda confused. Can you please explain in a easy ABC understandablew way: So the cash value after cancelling will be $1,389.10? If you discontinue paying the premiums your policy’s non-forfeiture option, Non-Forfeiture Continued Insurance (NFCI) will go into effect. This option allows us to apply the net cash value to purchase term insurance for the current death benefit amount provided under the policy for as long a term as that cash value can provide. The length of the term depends on the amount of coverage, the size of the net cash value, and the insured’s attained age when the option is exercised. The policy will continue under the NFCI until the expiry date at which time the cash value is exhausted. As of 3/22/14 the NFCI amount is $200131.00 and expiry date is 3/15/2022. There is an option called Reduced Paid Up. Under this option, the net cash value of the policy can be used as a net single premium to purchase paid-up life insurance of the same plan as the original policy. This simply means the policy will be fully paid up with no future premium payments due. The amount of paid-up insurance is usually smaller than the face value of the policy. It takes approximately 3 months from the date of the last unpaid premium for the policy’s reduced paid-up option to take affect. If you elect this option, the amount of paid up insurance as of 3/22/14 will be $9331.00. A form is required if you would like to elect this option. If you are interested, please let me know. If you cash surrender the policy, this will cancel the policy and the cash value quote as of 1/22/14 is $1389.10.


What Insurance Saves You the Most Money?

By your experience. Any insurance company All-State, State Farm, Progressive etc… and how much your auto/life insurance costs and how much you saved.


Sephora return policy?

Also I used my Beauty Insider card when I bought it, so there is proof of purchase.

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


AA insurance terrible?

AA insurance sent me a renewal letter for car insurance. The bill was just over 900 pounds. Bearing in mind for years i just paid and didnt shop around . This time i had more time on my hands and i shopped around, the only thing i changed was no claims protection. Apart from this it was identicle. I went on compare the market.com and found esure who quoted me 425 pounds has anybody else found the AA to be expensive. The AA said they had shopped around for me and they had given me the cheapest quote. But i got my quote in around 8mins and 500pounds cheaper.


Rough estimate of my car insurance cost?

24 year old male, no accidents/tickets, 2010 bmw 3-series or 2010 audi A4 With that in mind, what’s a rough estimate of what the car insurance would cost?


Where is the best place to find medical insurance?

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


Why are insurance quotes for the Ninja 250 so high?

Why are insurance quotes for the Ninja 250 so high?


Health Insurance cost?

Hi im a 28 year old non smoking male. I currently am unemployed but do unser the table side work which actually pays me more and im my own boss. Id like to have health/dental insurance. I wanted to see/ask what the monthly average cost you guys are paying and what companies are good. Again I will coming out of pocket as I do not work. Thanks for the help and have a blessed day.


Is the Acura TL Type-s upgrade owning cost worth it?

Im going to buy an acura tl and i wouldnt mind getting a tl type s, my question is if i can get a type -s for the same price as a regular acura tl should i get it? i know gas mileage is a little lower and insurance cost is higher so is are those owning costs for a type s a big difference from a regular tl? someone who has a type s are you paying a lot of insurance if so how much more than if it were regular?


Should I be be careful with independent health insurance agents?

I have been looking to get health insurance because lately my acne has gotten really bad. I was looking through health insurance one night, entering information such as phone number and my health past. The next day, I received a call from a lady who said she was an independent health agent and that she worked with people to help them pick the right insurance for them. I just want to know if anyone has had experience with this in the past and if I should get insurance through her. I just find it weird that she somehow got my number and that she told me we would meet not at an office but at a meeting place like Starbucks. Also, she said I would have to pay the first month’s fee with the application. What if she isn’t who she says she is? I may not be able to find her again without an office right? Does this seem fishy to anyone else or am I just being paranoid? If this is a scam, does anyone know where I could find information on real health insurance agents in Arizona? Thanks


Which car insurance have you got the cheapest quote from for a 1.0 car?

my family is looking to buy a new car. My mum would be the main driver…my father the additional driver and me as another additional driver my mum has had her license for 15 years my dad has had it well over 30 years and i just passed a week ago any suggestions for the cheapest car insurance company ive been to gocompare but some sites dont show up any result….well quite alot frankly that i cannot go to each one individually to find a quote


What size alloy wheels will change the insurance of a car (read details)?

right i’ve been looking at cars to buy for ages now and as I’m a seventeen year old boy insurance is ridiculous as it is. Finding cars that i can afford to buy and insure is hard. I have found a few ‘perfect’ cars, however a couple of them have alloy wheels instead of the standard manufacture ones. I will quote my insurance website so you can help me out: Replacement of factory fitted wheels with Alloys of the same size” this doesn’t alter my insurance quote one bit. “Replacement of factory fitted wheels with wheels / tyres of a non standard size or specification” This means i cannot get insured at all; they won’t have me with them. So my question is

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


How much is monthly insurance rates?

What are the things you pay insurance for and how much…


Please explain this email from life insurance?

I’m thinking of cancelling my life insurance plan. I sent them an email and this what i received but i’m kinda confused. Can you please explain in a easy ABC understandablew way: So the cash value after cancelling will be $1,389.10? If you discontinue paying the premiums your policy’s non-forfeiture option, Non-Forfeiture Continued Insurance (NFCI) will go into effect. This option allows us to apply the net cash value to purchase term insurance for the current death benefit amount provided under the policy for as long a term as that cash value can provide. The length of the term depends on the amount of coverage, the size of the net cash value, and the insured’s attained age when the option is exercised. The policy will continue under the NFCI until the expiry date at which time the cash value is exhausted. As of 3/22/14 the NFCI amount is $200131.00 and expiry date is 3/15/2022. There is an option called Reduced Paid Up. Under this option, the net cash value of the policy can be used as a net single premium to purchase paid-up life insurance of the same plan as the original policy. This simply means the policy will be fully paid up with no future premium payments due. The amount of paid-up insurance is usually smaller than the face value of the policy. It takes approximately 3 months from the date of the last unpaid premium for the policy’s reduced paid-up option to take affect. If you elect this option, the amount of paid up insurance as of 3/22/14 will be $9331.00. A form is required if you would like to elect this option. If you are interested, please let me know. If you cash surrender the policy, this will cancel the policy and the cash value quote as of 1/22/14 is $1389.10.


What would be a good life insurance policy?

What is the difference between 10 and 20yr terms etc. What is the benefit of the whole life insurance? And why do those one’s cost much, much more? What should the average 35yr old female enroll in. I’m looking at probably 500,000. That’s way more then ten times the amount I earn in a year. Do they grow with interest? So many question’s I know. But if anyone has the time to give me the basics I will appreciate it. Thank you.


Life insurance? high interest investments?

how do people make money off of life insurance? does anyone know of any high interest, cds, iras or other investments


How much is Florida’s car insurance each month.?

i was wondering how much car insurance in Florida each month. for a 19 year old?? please only people who no what their talking about.


No proof of insurance citation in Michigan?

My boyfriend I were stopped on the 30th because my plate was covered with snow (actually the whole back end was), the state officer stopped us right in front of our house. He thought I was covering it on purpose, until I explained to him that we just got done doing a 4 hour trip and I hit a few snow storms along the way. He even went as far to ask me about the Xbox in my backseat and if the plate actually went with the car. Anyway, I gave him my expired insurance and told him that I was waiting for my new one in the mail, which wasn’t the truth, I was just afraid of getting my car impounded or something. He gave me a warning for the covered plate and a citation for having expired insurance, which he then went ahead and told me that I had 10 days to go to the courthouse and show proof of insurance for the date I was pulled over. It will be 10 days tomorrow and I haven’t been to the courthouse yet, mostly because it was new years and then we got a massive snow storm (they shut all government buildings down) and it’s still hard to drive on the roads, because they never really cleaned them up, so getting out of town is a bit hard. On the back of the citation it says that if I don’t contact them or show up before or on those 10 days, my license will be suspended if it was a traffic violation. I’m willing to pay the fines, but does anyone know how much they will be for my state? Also, could I just call them tomorrow morning and talk to someone or do I have to show up? Can I do a payment plan? Will my license become suspended? This is my first and only offense, so I’m not sure how to go about this kind of thing. I know it’s stupid to drive without insurance, but it’s hard paying $200 to $300 a month for no-fault insurance (not sure why it’s so high here, I’ve never had any