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Insurance confusion – dividends and cash value?

Insurance confusion – dividends and cash value?

I’m extremely confused about something. In whole life insurance plans, where, exactly, do the dividends come from? What do they do, and can you save them up? Do they pay out immediately? Also, where does the cash value come from? Does it come from the premiums you pay? Besides being able to take it out (surrender), what does the cash value do?

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


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Name of the Insurance Company?

Both your answers are great and right. But i just want to know who the insurance company is, just there names please ?


Required to have FEMA (Flood Ins) or cant get a good Refi rate. The Insurance is ridiculously expensive IMO.?

My wife and I have credit scores of just over and just under 800. Wanted to lower our current mortgage from 5.5 13.5 years remaining, to 3.5 15 yr., at the same Bank, who we are happy with. During the closing process the Loan Officer said we would have to get FEMA (Flood Ins.) in order to get a new loan. Insurance will be around $2000 a year. We have lived in this house 7 years and never heard of needing flood Insurance. Supposedly, as of last year the flood plane has changed. Bank had our home surveyed and one corner of our home is in the plane. we were wanting to refi 100k (we owed 90k). House easily appraise around 150k. So can and will FEMA come and make me pay $250. a monthy for Insurance I don’t want. And also why would we HAVE to Insure at 170,000 when we owe 100k. We have worked hard to earn our credit scores. This has stopped us from refinancing and getting squared away. So we can help our kids with college More. any help or advise is appreciated?


How much (roughly) does car insurance cost for a first time driver?

I’m 17, and I can get my licsence in a couple months and im looking into getting a car. Specifically, a chevy spark 1lt, the biweekly payment is 136 and I’m just curious what te estimated insurance would cost?


What’s a good cheap health insurance that will cover therapy?

Basically, the only reason I need health insurance is to cover my therapy for anxiety/depression. I’m only 19, live in south Florida, and have never shopped for health insurance before so I’m pretty clueless when it comes to this stuff. Thanks in advance.

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

How much is insurance on a 1995 jeep wrangler 4×4 for a 16 year old male that lives in DOuglasville, Ga?

I am currently 16 and I am looking into buying a Jeep Wrangler 4×4 5 speed with a 3 inch lift. How much on adverage would insurrance be for me being a male? I live in Douglasville, Ga if that matters.


I have a question bout gettin insurance?

i would like to know which car insurance company is da lowest in price


What the best health insurance for me?

i am a senior in high school and I am going to college this year, my family don’t have any type of health insurance so i want to get one on my own, I want the health insurance that covers dental and eyes, and any other injury i might get accidently, i am willing to work part time and pay for it every month, i wouldn’t mind going to a specific doctor to be covered but i would love to pick the doctor myself tho, i am also willing to pay some fee when i visit the office everytime, i dont have big health problems except acne and i also need to remove my wisdom teeth, I take care of myself and i dont smoke, I guess that would give me a good start, I live in Indiana and prolly would go to purdue for college but the student insurance does not cover dental, so i need to get one on my own, please help me find one because i feel really unprotcted and I am tired of dealling with sicknees by myself all the time and not knowing if it is just flu or something danger, my rents are not paying for it


Insurance confusion – dividends and cash value?

I’m extremely confused about something. In whole life insurance plans, where, exactly, do the dividends come from? What do they do, and can you save them up? Do they pay out immediately? Also, where does the cash value come from? Does it come from the premiums you pay? Besides being able to take it out (surrender), what does the cash value do?

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


Spouse insurance coverage and insurance?

Thank u all. My question is more of… Can I keep her under coverage if I want to? Do I have to drop her? What are the cosequecne (by insurance company) of keeping her insured. I do not have children. Only her.


How much does it cost to get insurance on my cell phone? URGENT!!?

I have the rumor LG from sprint. I keep dropping it and now its broken. How much does it cost to get insurance and a new charger.


How many employees does a small business need to offer health insurance?

How many employees does a small business need to offer health insurance?


How much will car insurance be for my 146 year old mother?

How much will car insurance be for my 146 year old mother?


Do you need a job to get a car loan??

I just sold my car and I’m moving to California. I’ll be taking job interviews the week I arrive, but obviously I will need a car to get around from place to place. It’s San Diego and the bus system is descent I guess, but I want a car. I have paid all my student loan payments and my last car’s payments on time every month, and have never had a bad credit card problem. Only have had it for 6 months or so but paid it off ( I need to check my credit score, If anyone knows a site where I can just pay and look at and not wait for it to come in the mail let me know.) I’m looking for a cheap car (3,000-5000). I have a college degree so it won’t be a problem finding a job. I just need a car to get to the actual interviews. So will I be able to get a car loan the day I arrive in California?


If I get an insurance quote from a price comparison site, am I guaranteed the cheapest price?

Is there likely to be hidden costs?


Will home owners insurance replace burned counter-top?

I burnt my island counter top with a pan. Will home-owner’s insurance pay to replace all of the counter tops in my kitchen or only the island? I would like to have a different color, but of course I couldn’t if they will only replace the one part. If that is the case, then it might not make sense to file a claim.


Re-posted! How much do you pay on equine insurance?

It is a re-post! I’m posting it again! If you aren’t going to answer my question then don’t press the Answer question” button.”


Insurance confusion – dividends and cash value?

I’m extremely confused about something. In whole life insurance plans, where, exactly, do the dividends come from? What do they do, and can you save them up? Do they pay out immediately? Also, where does the cash value come from? Does it come from the premiums you pay? Besides being able to take it out (surrender), what does the cash value do?

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


Is it up to age 26 or through age 26 for insurance coverage on parent’s plan?

With health care reform, young adults can now stay on their parent’s insurance longer. Is it UP TO the day they turn age 26 or through the age 26 that they are able to have the coverage?


Car insurance for a new driver how much is it a month for a girl? because i heard girls car insurance is cheaper than guys?

Car insurance for a new driver how much is it a month for a girl? because i heard girls car insurance is cheaper than guys?


Which one is the best health insurance company in USA?

hello All; i am from California; I want a cheap and affordable health insurance for my family. please help me which is the best and low cost health insurance company in USA? Thanks


Car insuance??

what highers your insurance and what are some tips to lower it??? I am a 16 YEAR OLD GUY so its gunna b high because of that i have heard if u have a ~sports car ~coupe ~yellow car ~if ur a guy ~if ur a teen ~if u buy a high profile car ~if u drive more than 40 miles a day ~if u have a bad driving record all these things higher the cost of insurance…. anything else and any tips?


How much is the average annual insurance for a mitsubishi evo?

How much is the average annual insurance for a mitsubishi evo?


I’m mad that my husband AGAIN offered to cook for another woman?

I am very upset with my husband. My elderly friends works in his office, where he is a high level executive. I’ve also read his work emails and he’s been inappropriate a number of times with a younger, married girl. He has cooked for her specially before and now she’s planning a potluck at work. He never cooks bc he’s too busy, but She sent a request saying that they were working on the menu BUT already had volunteers! He still wrote her back Not sure what to cook. Let me know… Like a new challenge.” Was he flirting?! This girl is very attractive and he didn’t introduce me to her when we ran into her and her husband once. What did his “challenge” remark mean? Was he asking her to tell him what to cook?!”


Orlando Condo Insurance Rates?

I am starting to look at condos and townhouses in the Orlando/Sanford area and am trying to figure out my budget for what I can afford. Does anyone know a ballpark rate for condo insurance in this area that I can use for planning? I know generally this is covered in the HOA dues, but the bank may require additional coverage. Also, does anyone know what the ballpark rate is for single family homes in case I peruse that path?


MA Small business required costs for insurance. To hard to find quotes.?

Making a pretend business plan for school and I cant find any prices that are needed for a graphic design business. What types of insurance would you recommend and whats the average costs? Thanks

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


10 POINTS! Is it expensive to insure and range rover?

Ok so is it expensive to insure lets say a 2003-2006 range rover HSE for a 18 year old in the USA? Also could i finance at 18 if i can prove enough income? Looking online there worth roughly 12k-16k maybe cheaper if i lowball.. Thanks


Insurance companies that offer…?

insurance for cars that are not yours…. ie cars that you rent etc… is it worth getting it? It’s time to renew the insurance for my car, and as i was comparing quotes.. i was wondering should i get the extra insurance that covers rental cars….. or is it just a waste of money? The past couple of years ive had it added to my insurance….. but didn’t really fly anywhere, where i needed to rent a car, and have not moved nor am i planning on moving.. but in case in an unforeseen event i have to rent a car…………. my two main questions are 1) would the insurance that a rental company offer on their cars be cheaper than the insurance that my own insurance company offers for the rental… or about the same?? 2) if one was to have insurance for rentals, would the rental companies care about it, or force their own insurance upon you? Also….. if they were to accept your insurance company’s insurance for their rental.. how would they do it? do you have to fill out extra forms etc? because if its a lot of hassle, and their rates are the same.. then there’s no point in adding the rental insurance to my regular insurance right??


Is a 93′ mustang hatchback cheap on insurance cause its a hatchback?

hello I’m 17 and i’m looking to get a car. I have always loved the 93 mustang.Its my favorite car ever.It is a hatchback so would that make it cheaper on insurance?? my parents always helped my brothers by putting there name on the tittle along with my brothers.I’m pretty sure it made it cheaper.There are only 2 cars that i really want either the mustang or a older honda civic hatchback.i like the way both the cars look.please help. leave you comments/opinions Thanks!


What car should i buy a 1999 bmw m3 or 1995 camaro Z28 convertible

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

My father passed away last week can i transfer the home insurance to my name?

does the house need to be transferd to me first


Insurance confusion – dividends and cash value?

I’m extremely confused about something. In whole life insurance plans, where, exactly, do the dividends come from? What do they do, and can you save them up? Do they pay out immediately? Also, where does the cash value come from? Does it come from the premiums you pay? Besides being able to take it out (surrender), what does the cash value do?


I need health insurance help?

well its for a family of four and they take around 100 dollars every paycheck which is bi-weekly. I need just and estimate. is it very EXPENSIVE?


UK – Caught Driving With No Insurance – What Will Happen? (First Offense)?

The other night.. my friends boss lost his car keys in my friends house and had to leave the car there and walk home – so the next day me and my friend was in his house and found the car keys it was late and his boss had to go work in the morning so he asked me if i could drop his boss’z car of for him – it was only around the corner and he didn’t have a drivers license so i said ok i will do.. So we was driving to his boss’z in the car and got pulled over by the police god knows why – the police officer sat me in his car and asked me some questions bout my license and insurance i told him i had my license and when he asked bout insurance i said i wasn’t on this car and said i think it might be insured for anyone because it was a works car but it wasnt the car was impounded i have talked to the owner permission isnt an issue as he said he will cover for me but what i want to know is because i am a new driver on this probationary period for two years will my license be taken?

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


Can a foreigner drive in the U.S. without a license?

Howdy all, I have a friend from Germany who wants to drive in the U.S. He’s got a license in Germany but not here. Can he legally drive a car? Does he have to worry about insurance? And if he can’t drive, how hard is it to get a license? Will he have to take the classes and such? Thanks a lot! Sorry for so many questions!


CAR INSURANCE FOR 20 year old with G2?

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Life insurance in the military?

I was just trying to understand the policy my main thing is in the unfortunate event of my death. Who gets the money? How much do they get I’ve seen it’s up to 400,000 but I’m sure you don’t get all of that. I’ve also read that you would have had to be active duty for more than 24 months to receive the insurance. What happens if you die during your first few months. How is your family taken care of. Again I’m not trying to be all dreadful but the reality of death is very real you could be going back to base & get hit with a roadside bomb. Thank you service member who risk your life so I can enjoy mine. Thank you


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Who insures car buyer or co buyer?


Car insurance WITHOUT a bank account?

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How much would car insurance cost me?

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Insurance question: Uninsured car in accident?

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High risk auto insurance?

High risk auto insurance?

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


Disability Insurance question?

Can an individual buy short term disability insurance themselves without going thru a business? Can I purchase Aflac on my own, or some other disability insurance?


Insurance confusion – dividends and cash value?

I’m extremely confused about something. In whole life insurance plans, where, exactly, do the dividends come from? What do they do, and can you save them up? Do they pay out immediately? Also, where does the cash value come from? Does it come from the premiums you pay? Besides being able to take it out (surrender), what does the cash value do?


How much would insurance and stuff be for a 1st time driver?

i dont plan on puttin a car on the road till i get my g2.. whts in 11 more months lol ill be 19 then. but i have to do it all on my Own and i dont make alot of money wht is why im savin up!, and nobody else in my family has a car so i can NOT go unnder any1 elses insurance. and i live in Belleville ontario. and so far the only car insurance place i seen around here is Statefarm so ill proly b goin with tht. and i plan on havin either a z24 cavalier, honda civic, neon, sunfire, or an acura, no older then 93…. sp anyone knw wht its gonna cost?, im thinkin proly around $500 a month but im not sure..


What is the cheapest car insurance?

What is the cheapest car insurance?


Immediate Medical Insurance Help Required?

Hi I am Rishika from Bangalore. I am new to this place. I had got a medical insurance done for my parents but It got expired one month back. Unfortunately, my mom is due for a surgery in the next week and I am looking for any quick medical Insurance help that I can get. I understand its too late to get a medical insurance done. I can arrange for the medical expenses by hand as of now. Is anyone aware of any policies from which I can reimburse the amount later. Or is anyone aware of any medical insurance people from whom I can make a deal and make it a cashless transaction using the insurance policy?? IM confused like hell. Please please help :(((((( 🙁 Yours, Rishika


How long do I need braces?

Does anyone know how long I will need braces, and a estimate of price?thx


Does anyone know what the cheapest insurance is?

i need insurance for a 2000 mercury cougar v6 2 door. any ideas?


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