Insurance Guide » premiums

why did my homeowners policies go up after the california insurance comm.said they would go down statewide?

hirby — Sat, 18 Sep 2010 20:39:02 +0000

i have 4 homeowners policies with one of the insurance carriers that agreed to decrease rates statewide on both auto and current homeowners policies.after receiving my statements i noticed my premiums went up at the same rate they have been going up anually for years. When can I cancel my homeowners insurance if I'm not happy [...]

why did my homeowners policies go up after the california insurance comm.said they would go down statewide? courtesy of: Insurance Guide

Premiums of universal life insurance during recession?

hirby — Sun, 12 Sep 2010 18:02:55 +0000

I’m curious to know the experience of people holding universal life insurance during these downward market trends. How high have your premiums increased (or have they?) About what are you paying and for how much coverage? Happy or being ripped off? I am looking for a good company to go to for life insurance. What company [...]

Premiums of universal life insurance during recession? courtesy of: Insurance Guide

I am looking for a good company to go to for life insurance. What company doesn't increase their premiums?

hirby — Thu, 09 Sep 2010 12:19:59 +0000

I just received my yearly premium from Chase Insurance. It has gone from 4.00 to 59. It only stayed the same for 5 years. Now it will go up each year. I am looking for a company that will give me a policy that will not rise every year. Can you recommend [...]

I am looking for a good company to go to for life insurance. What company doesn't increase their premiums? courtesy of: Insurance Guide

Whole life vs. term–can you prove higher return with whole life?

hirby — Sun, 05 Sep 2010 02:02:19 +0000

Someone posted a question about whole life vs. term and someone claimed they could prove whole life had equal or better return than buying term and investing the difference in the stock market but the question was closed before the answer was completed. Here’s another chance for the whole-life apologists. My contention is [...]

Whole life vs. term–can you prove higher return with whole life? courtesy of: Insurance Guide

Is there anyone in Mobile, Al or on the gulf, who has had their Homeowners Insurance triple?

hirby — Fri, 03 Sep 2010 06:38:50 +0000

I just got my renewal and my HO insurance went from 00/year to 2900! How is this possible, I called my agent and he stated that due to Katrina everyone insurance on the gulf increased. I called around to see if someone else could insure me. But had no luck, no one [...]

Is there anyone in Mobile, Al or on the gulf, who has had their Homeowners Insurance triple? courtesy of: Insurance Guide

Whole life vs term debate?

hirby — Thu, 02 Sep 2010 00:26:08 +0000

Hi Everyone. I just started a new career with the guardian insurance company last week. all I hear about is the debate with whole life verses term and investing the difference. I wanted to find out which one really was better for my clients. i did a little tests using the software that I get [...]

Whole life vs term debate? courtesy of: Insurance Guide

What two adjustments are usually made to the cash value account in a universal life policy?

hirby — Sun, 29 Aug 2010 22:50:35 +0000

1. Cost of the term Insurance protection is charged and current interest earned is credited 2 current interset and insurance premiums are credited. 3 guaranteed interst is earned and premiums are credited 4 excess interest and premium are charged Whole life vs. term–can you prove higher return with whole life? What two adjustments are usually made to the cash value [...]

What two adjustments are usually made to the cash value account in a universal life policy? courtesy of: Insurance Guide

What two adjustments are usually made to the cash value account in a universal life policy?

hirby — Sun, 29 Aug 2010 22:50:35 +0000

What two adjustments are usually made to the cash value account in a universal life policy? courtesy of: Insurance Guide

Do Smokers have to pay higher premiums for life insurance than non-smokers?

hirby — Thu, 26 Aug 2010 22:52:21 +0000

1- Do Smokers have to pay higher premiums for life insurance than non-smokers? 2- What is the current interest rates paid out on annuities in the USA? 3- When employing staff, should employers have the right to discriminate against smokers? Thank you in advance for your answers. Premiums of universal life insurance during recession? I am looking for a good [...]

Do Smokers have to pay higher premiums for life insurance than non-smokers? courtesy of: Insurance Guide

Too much Life insurance? I have 100k policy from my employer.I am married?

hirby — Wed, 25 Aug 2010 01:14:24 +0000

with 3 kids,(15,13,11) mortgage(1350month),savings(30k).Our home is worth 215k and we owe125k on the note.No loans on it. I purchsed policies (not term) for all of us years ago. Mine and my wifes personel policies are 100k, and the kids are 25k . The monthly premium totals are about 5.00 for all. Do I or my [...]

Too much Life insurance? I have 100k policy from my employer.I am married? courtesy of: Insurance Guide