Is whole life insurance a good investment vehicle and estate planning tool? Or are Mutual Funds better?

I am a Male 29 putting money in 401K upto company match.Ineligible for Roth.Cud max IRA,401K but is tht advised? What about further after tax dollars? These are points I have read on WLI as investment vehicle- Pros: 1)Builds cash value and insures survivors 2)Earnings are tax free 3)Don’t have to pay 50% estate tax when transferring proceeds to heirs 4)Can borrow/take loans against built up cash value 5)Gains advertised on products such as Mutual Funds don’t include taxes on gains and fees. 6)If you get divorced don’t lose half your wealth unlike MFs 7)IRAs are taxed on withdrawal Criticisms: 1)Unused cash value is lost when the investor passes away 2)Fees and costs are prohibitively expensive and eat into gains 3)Loans against LI policy are a nightmare 4)Term LI and investing balance in tax-advantaged funds or MFs is better 5)Advisors suggesting LI as investment are greedy for commissions This selection is a nightmare.Someone honest to god (no salesppl!) plz help!

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


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What is the best homeowners insurance rate for california?

what is the best homeowners insurance rate for california


Anmuity vs term life insurance?

Anmuity vs term life insurance?


Where can i find a free insurance company that won’t rap me off?

i need a website that i can get a insurance for medical and dental. where can i go


What is an average interest rate on a car loan for someone with a credit score of 745?

My credit score last I looked was close to 750. I’m about to pay off a couple of loans I have in the next few months so that should bump it up a little more I’m hoping. I’m interested in purchasing a new vehicle. Vehicle price is about 21K and I plan on putting 10K down. I’m looking at financing anywhere from 3-4 years. Can anyone tell me an average rate someone with my credit score putting that amount down should expect in an interest rate. Thanks

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

On average what is my auto insurance going to cost if I go with geico or progressive in los angeles?

I need to know seriously


Buying a Car and Insurance Question!?

Im getting a car this weekend (hopefully) and my dad said he will set a date to go to a friend of his that sells good cars for cheap, but my dad wants it under his name. I don’t trust my dad and I want the car under MY name, but he said that the insurance will cost more. If I put the car under MY name, but put the car under his insurance, will it cost more because the car is under my name or will it cost the same? I don’t want to pay for the car and then when its finished, he takes the car saying that its under his name and I cant do anything about it. How much would I pay for insurance?


Do you need a drivers license to buy a car?

I’m getting my drivers license in about 2 weeks, but want to buy a cheap car online before-hand. Do you need to have a license in order to buy a car?


Is whole life insurance a good investment vehicle and estate planning tool? Or are Mutual Funds better?

I am a Male 29 putting money in 401K upto company match.Ineligible for Roth.Cud max IRA,401K but is tht advised? What about further after tax dollars? These are points I have read on WLI as investment vehicle- Pros: 1)Builds cash value and insures survivors 2)Earnings are tax free 3)Don’t have to pay 50% estate tax when transferring proceeds to heirs 4)Can borrow/take loans against built up cash value 5)Gains advertised on products such as Mutual Funds don’t include taxes on gains and fees. 6)If you get divorced don’t lose half your wealth unlike MFs 7)IRAs are taxed on withdrawal Criticisms: 1)Unused cash value is lost when the investor passes away 2)Fees and costs are prohibitively expensive and eat into gains 3)Loans against LI policy are a nightmare 4)Term LI and investing balance in tax-advantaged funds or MFs is better 5)Advisors suggesting LI as investment are greedy for commissions This selection is a nightmare.Someone honest to god (no salesppl!) plz help!

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


How much would it cost to insure a 1995-2000 Ford Mustang?

Something with around 80k-100k miles. Everything stock no mods or tuning. Not convertible. Im 18 so i know itll be a decent amount. Im going to have my dad co sign on the car to help lower the insurance. Itll be used for maybe 3 times a week and ill put maybe 5k a year on it. Im on gieco currently and they wont give me an accurate qoute and i know you wont really be able to but if you give me the same number itll be the set amount ill asume. Thanks


Stopped for no car insurance but we do have insurance car seized not fair?

Like stephen said – It’s a requirement in many countries to carry proof of insurance of insurance, but not in the UK.police advised us not to carry this around with you,and in any case it would still be of no use as they still would have needed to talk to the insurance company,like they did this morning when producing documents.


Can a teen get his own car insurance in texas ?

can a 16 year olds get his own car insurance policy rather than just adding to the adult parents policy? also at what age can I am on my own car rather than just having it in the parents name? I live in texas .


Auto Insurance Help…?

I’m new to this car insurance thing and I need help picking out which one is best. What do I need to ask for? How much roughly is car insurance? My parents used to pay for mine on theirs which was $134….I want to try to keep around that range. Should I wait until I turn 21 to get it? Help me please!!! 🙂 Thanks


Do insurance quotes tell you your exact price you’ll be paying a month?

I got a quote for auto insurance, is that going to be the exact ammount I pay every month?


Health and Maternity Insurance.?

My wife and I are wanting to have a baby and need to get health insurance that includes maternity. I have gotten a couple quotes, but they all seems somewhat high being that she is only 22 and in great health. Who would be the best and most affordable provider to talk to? Thanks, Dustin


Motorcycle Insurance?

Can anyone give me a rough estimate of what motorcycle insurance would cost me for a newer model sports bike 2007-2011 smaller size like a 250 maybe a little bigger. I am almost 19 I am enrolled in college I have had no accidents and no tickets average grades. I know nobody can give me a dead on quote just looking for an estimate in the ball park. I would only need insurance for six months out of the year.


Will my home owner insurance go up if I make a claim? How much?

I should clarify that by flood” I was not referring those disasters covered by flood insurance (i.e. tsunami


Is whole life insurance a good investment vehicle and estate planning tool? Or are Mutual Funds better?

I am a Male 29 putting money in 401K upto company match.Ineligible for Roth.Cud max IRA,401K but is tht advised? What about further after tax dollars? These are points I have read on WLI as investment vehicle- Pros: 1)Builds cash value and insures survivors 2)Earnings are tax free 3)Don’t have to pay 50% estate tax when transferring proceeds to heirs 4)Can borrow/take loans against built up cash value 5)Gains advertised on products such as Mutual Funds don’t include taxes on gains and fees. 6)If you get divorced don’t lose half your wealth unlike MFs 7)IRAs are taxed on withdrawal Criticisms: 1)Unused cash value is lost when the investor passes away 2)Fees and costs are prohibitively expensive and eat into gains 3)Loans against LI policy are a nightmare 4)Term LI and investing balance in tax-advantaged funds or MFs is better 5)Advisors suggesting LI as investment are greedy for commissions This selection is a nightmare.Someone honest to god (no salesppl!) plz help!

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


What types of car insurance are there?

I’m a confused soon-to-be licensed driver. My mom just got my sister (who is 18) some type of insurance for driving. From what I know, it’s expensive. But I know that our car has insurance. What kind of insurance did my sister possibly get and how does it differ from the insurance for the car itself? Is there personal” insurance for each driver? Is it required or is the car insurance only the main requirement? Which type of car insurance/s is required???…(sorry if my question doesn’t make sense. I dont know how else to word it lol)”


Will my moms insurance go up for owning a trampoline?

We owned a trampoline a few years ago and it blew away and got ruined in a storm. Recently I have been looking on craigs list to buy a new one but she stated that insurance is going to go up. We live in a large house and have lived here for 7 years. Would her insurance actually go up? Usually when her reasoning for something is Because” then it has nothing backing it. Im going to contact her insurance agency about it. I know if i prove her wrong she would allow me to buy one.”


What information do I need to give out to be on someone else’s car insurance?

My fiance and I are borrowing a newly acquired friend’s car to drive from our wedding 2 1/2 hours to the airport, we are also driving the car from our school to the wedding 2 1/2 hours. We have also driven the car before, and may drive it again. Now our friend is saying that we should be on her insurance, and we’re afraid this person might be an identity thief or something, and they are asking for our driver’s license number and a signature. We don’t know the insurance company they are with, but do we have to give out any information at all? And if so, what kind of information are we required to give? My fiance is worried about giving out our drivers license numbers. They asked for both of ours, even though he is the only one driving. Thanks for your help. Serious and professional answers only please.


I got life insurance in california w/company called Symetra Financial and I need to cancel, agent wont let me?

I got it about a week ago and called him today and asked him to cancel it and he said I couldn’t because I was already approved for it. I told him I had thought it over and $250 a month for a $250,000 life insurance was too much. he said he could lower the amount of the policy and lower the monthly payment but I could not cancel it. Is he lying to me?


Where did the myth that the color of your car is an insurance factor come from?

Yeah If they did I would start a riot outside of their offices.


Purchasing health insurance?

I need to purchase health insurance. I should have purchased it a while ago because now I really need to use it. Will I be able to use it for a preexisting condition (fracture)? Any advice on a plan to purchase?


Need to find cheap home insurance?

I’m buying a house and one of the requirements of the grant that I’m receiving is that the insurance on the house can’t be over $360.00 a year. ($30 a month). I’ve tried Progressive and Sagamore already and they’re over. So does anyone know of anything?


What does owner will carry note” when selling a property?”

I own two houses, both being rented out. I am thinking of selling, but can’t get what I paid for them. if I try to sell by carrying note, is it a 30 payment plan? or how many payments until they pay it off? do I continue to make mortgage payments to the lender I am making payments to now?

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


Insurance on a range rover?

how much do you suspect insurance on a 2004 Land Rover Range Rover Range Rover would be the car is $5000 i know the lady she dais she’d sell to me I just want to make sure the insurance isn’t going to be too much I’m 18 B average took driver’s course and defensive driving class…….just a guess


Does home insurance cover the damage that was made by tenant?

The previous tenant left before the lease expired. After two days signed the lease with new tenant they found the hole and damage. The new tenant said he got hurt by the hole in the closet floor under the carpet. So do all thease covered by insurance?


How can I get help for sleep apnea if I don’t have health insurance?

I’m 15 and I think I have sleep apnea. I wake up every hour so during the night and my throat always hurts in the morning. I’m so tired all the time and it’s been very detrimental on my schooling and social life (which is nonexistent because I never have energy). My parents can’t afford health insurance but I need treatment.


Insurance on a civic si?

Alright so im pretty sure that answer is going to be high but im thinking of buying a ’06/’07/’08 civic si, but i was just wondering if any other si drivers could give me how much they pay for insurance. im 20 live in s. cali and have one ticket so i bet thats gonng drive it up but still want to know like an average. will it make a difference if i but a civic si sedan instead of the coupe?



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

Is insurance group 7 high for your typical first time driver?

found a car i like but its in insurance group 7, is that going to be expensive for your first time driver. if so other car recommendations would be appreciated, i was looking at a Citroen Saxo VTR 1.6i 3dr.


Is whole life insurance a good investment vehicle and estate planning tool? Or are Mutual Funds better?

I am a Male 29 putting money in 401K upto company match.Ineligible for Roth.Cud max IRA,401K but is tht advised? What about further after tax dollars? These are points I have read on WLI as investment vehicle- Pros: 1)Builds cash value and insures survivors 2)Earnings are tax free 3)Don’t have to pay 50% estate tax when transferring proceeds to heirs 4)Can borrow/take loans against built up cash value 5)Gains advertised on products such as Mutual Funds don’t include taxes on gains and fees. 6)If you get divorced don’t lose half your wealth unlike MFs 7)IRAs are taxed on withdrawal Criticisms: 1)Unused cash value is lost when the investor passes away 2)Fees and costs are prohibitively expensive and eat into gains 3)Loans against LI policy are a nightmare 4)Term LI and investing balance in tax-advantaged funds or MFs is better 5)Advisors suggesting LI as investment are greedy for commissions This selection is a nightmare.Someone honest to god (no salesppl!) plz help!


Need to find a cheap and reliable first car whats the best things to look for in a car?

hi just passed my uk driving test yesterday and am looking to get a car but i really have no idea on what to get. my budget aint brilliant around £500 but i only need something small – cheap insurance wise- but reliable.. what sort of milage should i be looking for, what engine size, what cars are more reliable than others,what would be cheap insurance wise etc. ill be using the car on a daily basis to do school runs and shopping etc any help and ideas would be great. many thanks in advance!!


Auto and/or Home Insurance Phone scripts?

Because I am trying to put together a script to use myself and would like any ideas that people might have. I am fairly new and all the info I can gather would be of great help! Thanks

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


Does anybody know any good cheap insurance companies?

I am 19 in college. I am almost completely separated from my parents. All that is left is insurance. I live in New York, have 2 accidents and no tickets. I’m in school full time, work two jobs and have a 2013 with a loan. I need a company that won’t nail me for all my money and has good coverage. Thanks!


If you can’t afford health insurance for your family and the government says you make too much…?

Star- there are no promotions where my husband works. He’s the highest paid person there and he’s salary. If they give him a raise, it would be a miracle. At the moment though that’s where he is. He hasn’t stopped looking for a better job, but in this economy we are thankful he has a job anyhow. I don’t make money from home. Being pregnant at the moment takes a lot out of me physically and I’d rather pour the energy I have into caring for my home and children. And yes most of the time we do buy second hand and my daughter gets a lot of free hand me downs from families at church with older girls. Bottom line again is this: sometimes people just can’t afford it. We do what we can, but no matter what we cut out cost wise or add on income wise, we will not be able to come up with an extra $800 a month unless I work a full time job which I won’t do. My husband wants me home to be there for the kids and I want to be here for them too. Further more, any income I make outside the


Can an 18 year old be on their parents insurance if they ..are not a fulltime student?

Can an 18 year old be on their parents insurance if they are not a fulltime student?


Will my insurance go up for a out of state speeding ticket? I have usaa insurance?

I was an hour away from my house in nebraska and my parents will kill me if they found out. I got a speeding ticket for going 73 in a 55 zone in iowa. I have USAA insurance. Will the rates go up? Will my parents find out?


How to get seen by a doctor without health insurance?

I have no health insurance but I need to see a doctor! I have the mirena IUD, a week ago I was sexually assaulted, but was unable to get a rape kit because of the insurance issue. But now I am having cramps, alot of pressure in my uterus area, my lower abdomen is bloated out, I ended my period 6 days ago and every day a few times a day, when I wipe its a little pink with what looks like some skin particles? It feels like I am constantly leaking discharge, I can feel it leaking out! Idk if he moved my mirena, or if he gave me and STD but I need to see a doctor. Is there a way I can see one and make payments on the bill or what? I live in California


Will will my insurance rate increase, if my parked and unoccupied car got hit?

-MY CAR WAS HIT WHILE PARKED, ANOTHER CAR WHILE REVERSE PARKING DAMAGED MY RIGHT SIDE FRONT DOOR (675.00 ESIMATE) -I HAVE A POLICE REPORT AND INSURANCE HAS BEEN CALLED (HAPPENED SEPT 16) -HAVE ALL INFO ABOUT ANOTHER DRIVER, I DID NOT GIVE HIM MY INFORMATION. (SO HE DOESNT LIE TO HIS INSURANCE) WHAT WILL BE THE OUTCOME WITH THE INSURANCE COMPANY? AND WAS I RIGHT NOT GIVING HIM MY INFORMATION? (SOME PEOPLE TRY TO PLACE COUNTER CLAIMS)


Under Obamacare if you have stage 4 cancer and go to sign up for health insurance how affordable will your?

rates be? Is there anything in Obamacare that’s going to stop the insurance company from charging you an arm & a leg?


Meeting deductibles on health insurance?

okay so i am looking at the blue cross blue shield family plan in texas and for us three it costs $164 a month with a $2500 deductibile and then they pay 80% of the costs. So my question is, what does the deductible mean? sorry i come from free healthcare in the UK so I’m not used to paying for medical insurance. How does one meet a $2500 deductible before the insurance company can start paying for the rest of the medical stuff?? Is it met by constant hospital visits? doc visits? constant lab and xray tests?


How much will my insurance cost for a 1.6 ford fiesta zetec at 17 years old?

hi, im 16 and i was wandering ow much it would cost after i passed my test at 17, and im wanting to drive a ford fiesta 1.6 zetec about a 2006 model???? so can some 1 please help me thinking on how much it would set me back??? thanks 🙂

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


How much do Hyundai Coupe S’s cost to insure?

Annual Insurance 2002 worth £600 17 year old male driver


Is whole life insurance a good investment vehicle and estate planning tool? Or are Mutual Funds better?

I am a Male 29 putting money in 401K upto company match.Ineligible for Roth.Cud max IRA,401K but is tht advised? What about further after tax dollars? These are points I have read on WLI as investment vehicle- Pros: 1)Builds cash value and insures survivors 2)Earnings are tax free 3)Don’t have to pay 50% estate tax when transferring proceeds to heirs 4)Can borrow/take loans against built up cash value 5)Gains advertised on products such as Mutual Funds don’t include taxes on gains and fees. 6)If you get divorced don’t lose half your wealth unlike MFs 7)IRAs are taxed on withdrawal Criticisms: 1)Unused cash value is lost when the investor passes away 2)Fees and costs are prohibitively expensive and eat into gains 3)Loans against LI policy are a nightmare 4)Term LI and investing balance in tax-advantaged funds or MFs is better 5)Advisors suggesting LI as investment are greedy for commissions This selection is a nightmare.Someone honest to god (no salesppl!) plz help!


What is the Average cost for health insurance for newlyweds?

Me and my GF are going to be getting married soon we are both 18 and have a house we are renting with steady jobs. What would our monthly average be for Health insurance?


Do atheists think that their souls are insured by Time Machines and Worm Holes?

funny how those atheists” who got out in their way to say souls doesn’t exist


How doe car insurance work in the state of California?

I have my license and no car. My mom has a car and full coverage insurance, but my name is not on it. If my mom gives me permission to drive her car, will her insurance cover me? If I get pulled over, will there be any problems? If I get in a minor fender bender, will her insurance cover it?


When hospitals do their billing, how much do they mark up their costs to the insurance companies?

What % of costs does the insurance company actually reimburse them?


Where can I get cheap car insurance?

I am a beginner driver and I am looking to get car insurance for the first time. Where can I go? How much will it cost? Any answers would help a lot..Thanks


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