When should I buy life insurance?

When should I buy life insurance?

I’m 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don’t anticipate starting a family for another 5-8 years – is it wise to lock in a level term or whole life at my age or is it just fool’s thinking? EDIT: I also forgot to mention in my initial post that my company provides me with a basic life insurance policy of $30k at no cost to me.

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


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Insurance on a Motorcycle.?

I have heard about some people paying $8/month (not sure what coverage) and some paying $125/yr (for full coverage). Is thier any truth to that because it sounds VERY cheap. (which would be a good thing)


Child support and health insurance?

Hello, I live in Connecticut . I have a 3 years old son who live with his mother. for her decision one day she said she is leaving the home because she do not love me anymore. she move to her mother house since May .. after that she file for divorce and all that . we agree then I will give her 150.00 every week for child support .. now she wants me to pay for the health insurance . because the state health insurance was denied … I start working in a good company like 2 month ago so i said to her i can put my son into a health insurance what my job provide .. i don’t make a lot of money and of curse I have tons of payments .. the health insurance is around 300 dollars a month medical and dental .. so 300 a month plus 600 for child support is 900.00 my question is .. how i going to pay 900 … to her if I make 2800 a month. Im open to help but maybe the judge consider the health insurance payment as a child support to… please I need some advise .. she is also working she made 350 , 400 a week.. I dont tink is fare to only me who have to pay for health .. and also I think im giving her to much .. please some advise thanks.. PD: IM NOT WANT TO RUN AWAY OF MY OBLIGATIONS .. I LOVE MY SON .. best regards and Happy Christmas


A question about life insurance?

If you leave life insurance to multiple inheritors, can a credit card company or other debtor seize the money to pay off your debts?


Should i get AOPA’s insurance?

i have my PPL and rent 152’s and 172’s from a local flying club. these planes get abused alot, especially the 152’s and i dont want to do a good landing and then the wheel falls off and i might have to pay for it or something, i know they have an insurance but i think it only covers the engine and maybe the airframe, also if you break something they say you would only have to pay double your deposit fee ($2000), still sucks. is the aopa insurance reliable and isnt it about $90 a year

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

I have had a lump in my breast for about a year and a half now and its just recently starting to ache off and on everyday..with no insurance I didn’t see the doctor what could this be..?

I use to keep my phone in my bra on the left side where I found the lump..I have noticed that the lump hasn’t really grown that much but the pain really caught my attention..I have made an appointment but i wanna know what should I expect besides a scan..overall my symptoms don’t really match the symptoms of breast cancer but I’m still scared because that’s where I kept my phone and I’ve heard of cell phones causing breast cancer…u guys I’m freaking out here!!


Law in regards to company cars and insurance…please help?

I was hired at a company but instructed that I could not drive the company cars nor my own car during work hours because I have had my license suspended in the past due to parking tickets (alot of them, a long time ago) My license is fine now. I have never had anything more than parking tix on my record. I want to apply for another job within the company but it would require driving. I am willing to drive my own car…for insurance purposes is there a waiver or something I can sign which would let me drive my own car on the job which would relieve them of any liablility should an accident occur?


Anyone know rules about an SR22 bond insurance- OHIO?

OK I have to figure out what to do in or situation. My fiancee is paying $100 a MONTH for one car on his insurance. He has had a few speeding tickets/ and lastly he got caught without insurance, and caught on suspended license (PLEASE dont judge he had emergency to take me pregnant to an appointment and NO other option.) All that said I understand why it is high. So now with all fees paid, and suspention done, he has an SR22 bond on his insurance. He has sold his car like 2 months ago, and is still paying insurance for it, because we do not know what to do to drop it! That and within another month, he is having surjery on his back and will be bed ridden for 3 months. We can not afford the insurance, and I was told he has to keep this SR22 bond for 5 years straight. I have no clue what to do? Will he get in trouble for dropping his insurance and not having this bond? If he does drop it untill he is well and drives, can he get car insurance again with the bond on it? (AND would he have to pay that big fee again to start a new policy?) Would he be able to drive someone elses vehicle if they only have regular insurance on it, and he has no insurance or bond? Would not having the SR22 bond required interefere with his drivers license? I know this is a whole lot of questions and I hope it makes sense, just looking for all answers, help, or advise! Thanks for your time!


When should I buy life insurance?

I’m 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don’t anticipate starting a family for another 5-8 years – is it wise to lock in a level term or whole life at my age or is it just fool’s thinking? EDIT: I also forgot to mention in my initial post that my company provides me with a basic life insurance policy of $30k at no cost to me.

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


Question about state health insurance?

I’m pregnant and have health insurance through my husbands employer but I was wondering if I qualify for the state health insurance and got it as a secondary would I lose it after I have my baby or is it 6 months a year? I have a few dental things I need done and it’s very expensive I can’t afford to get it all done and would want to wait until after I have my baby so I was just wondering if anyone knew.. I won’t waste my time applying if it won’t do me any good…


Do I need renters insurance?

I’ve had renters insurance for the past 2 years. The new place I’m at now is not under my name. But I do pay some of the rent to the the person I’m living with (whose name is on lease). Someone told me today that renters insurance is no good and doesn’t cover anything if my name is not on the lease. Is this true?


New HOME OWNERS INSURANCE MAKING ME FIX GUTTERS/SAUFETS/FACIA?

I JUST MOVED TO A NEW HOME..AND HAS NO GUTTERS…ALLSTATE IS MAKING ME (WITHIN 2 MONTHS ) FIX THE GUTTERS ETC… OR THEY WILL CANCEL ME..CAN THEY DO THAT ?


What’s the best travel insurance for Colombia?

Sorry if I’m unclear. I need to buy travel insurance. Something that covers theft, medical expenses and loss of passport – that kind of thing. I know that Colombia is classed as a higher risk area than others and wondered if anyone had bought any insurance that covers the place. Please note: I don’t need any smart answers about kidnapping thanks. Just practical ones. My fiance is from a Colombian family and I’m sure she’d find your remarks racist.


Condo/Home Insurance – how would I even begin to shop around?

I haven’t bought a place yet (in the Boston area) but I hope to do so either this year or next year. How would I begin to look for property insurance? Do I have to be mindful of the local risks (such as occasional flooding?) or can I speak with free consultants to help me with property insurance? Is there some template out there on the interwebs that I can see to see the common things covered by property insurance? The main reason I ask is because I am playing with mortgage calculators and I am putting in $1000 per year for property insurance and I really don’t have any other way to estimate the price at this stage except by random guessing. Thanks,


Do I need a non-owner’s insurance policy?

I am going to sell my vehicle soon. I will no longer need car insurance. Do I need to purchase a non-owners” policy? I know that when I eventually do buy another car + insurance


Why are Republicans so against Americans getting Health Care Insurance with NO life-time caps?

Why are Republicans so against Americans getting Health Care Insurance with NO life-time caps?


Over 40 million people in this country have no health insurance because?

they can’t afford it. So what does the government propose to do to help them? FORCE them to buy their own private health insurance or face massive fines. Excuse me, but I didn’t need some faceless bureaucrat to tell me this, I could have done this myself. The whole reason we need health insurance reform in the first place is precisely because it is unaffordable- HELLO? This is just another SICKENING example of how clueless and out of touch politicians are with the average person. What do you think?


When should I buy life insurance?

I’m 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don’t anticipate starting a family for another 5-8 years – is it wise to lock in a level term or whole life at my age or is it just fool’s thinking? EDIT: I also forgot to mention in my initial post that my company provides me with a basic life insurance policy of $30k at no cost to me.

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


Do car insurance pay out for flood damage?

Do car insurance pay out for flood damage?


What is the best insurance company to work for as an agent?

I am currently in college and wanting to get started in becoming an agent for an insurance company (probably part time). I do not know which company is best and I was wanting to get other peoples’ advice. I am currently looking into Primerica, State Farm, Farmers, Allstate or Aflac. If you have any comments about these companies please let me know. Otherwise which would be the best to work for in my situation?


Cheap car on Insurance ?

whats the cheapest car on Insurance in ontario canada?, i need 4 doors small car


What is the cheapest insurance company for Young Drivers?

I am 17 and live in England, i have my own car a Ford KA3 and need to insure it, i have my full UK license, what is the cheapest insurance company that i can get. The cheapest quote ive recieved is £2700 which seems a lot to me, do you know of any cheap insureres? Thank you in Advance 😀


Life insurance option?

My dad has a form for his life insurance from his work. it has 3 options. i dont have the paper right in front of me but it says something like transferring,purchasing, and i forgot the other option. anyways we want to know which option to choose so my dad can just get the money if that’s possible. i will look at the paper to get the other option, but am hoping someone will be able to know what the other option is if they are familiar with life insurance. any help would be appreciated thank you


Can you change health insurance before surgery?

I have an Anthem individual health plan. It’s kind of expensive but I haven’t been working and really wanted to have health insurance. I just started a full-time job that offers health insurance benefits. They offer Anthem insurance similar to what I already have just at a much cheaper cost to me but I’ll probably have to get a new policy number. I’m having breast reduction the 2nd week of August and I’ve already received approval from my insurance company for them to pay. However I want to get insurance with my job but I only have 30 days from the start of employment to enroll in their plan. I’ll be calling Anthem next week to see how this will affect my surgery but what do you all think? Is it possible to change policies before a surgery that’s already been approved? I don’t want to miss the open enrollment with my company but I also don’t want to risk having to cancel my surgery. Thanks!


What’s the average time to close an insurance agent’s first deal?

I can’t seem to get a reply from any other positions I apply for, and I’ve been avoiding sales jobs due to not being able to consistantly reach quotas in the past. So, I’m considering selling insurance. How long does it usually take to close a first deal for a major insurance company? What tactics do they use to generate leads?


Is a custom whole life policy a good retirement deal?

Is it still a bad deal if we both already have life insurance through our jobs at 2x our base salaries each, have maxed out our 401(K)s, have a stock portfolio with a decent amount in it and have a 529 plan for the kid? I was told this would be an additional source of diversification to our entire portfolio. Thank You to all the people who have already responded to my first question last week.

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


Auto insurance : which company do you recommend?

We want to switch car insurance…our current one is so expensive! Any recommendations please?Thank you so much.


What kind of insurance would I need for renting out my backyard for parties/events/weddings etc?

is there any company that specializes in this insurance or an agency that deals with event rental properties?


Traffic ticket gave the officer wrong car insurance?

I got my first traffic ticket yesterday my frist violation is i forgot to put a sticker on my car… And the secon violation i gave him the wrong (expired) car insurance instead of my new one. because i got nervous. Can they revoke my second violation. If i show them i have a car insurance. Its my first offence


Are there any states that don’t require auto insurance?

I don’t like paying for insurance so I was wondering if I could avoid it by moving.



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

Home insurance cancellation`?

Our insurance broker said the company is about to cancel our policy, and sent us photos of our house. Though we have a service that clears bushes and mows grass, during the winter several bushes were considered by the company to be too large and too near the house. Though we corrected that before we even knew that was a problem (and we have an HOA that monitors that as well), it appears they may cancel anyway. The house is kept up well, and it is in a lower middle class well kept sub division. The broker did say…they might keep insuring us if we also start getting auto insurance from them. (Also–we have been with them 7 years, and they paid to replace a hail-damaged roof). My question is–if they cancel us, will it be hard or more expensive to get new insurance, or should we terminate the insurance before they cancel us? Thanks…


When should I buy life insurance?

I’m 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don’t anticipate starting a family for another 5-8 years – is it wise to lock in a level term or whole life at my age or is it just fool’s thinking? EDIT: I also forgot to mention in my initial post that my company provides me with a basic life insurance policy of $30k at no cost to me.


What is a 2 year contestibility period in life insurance?

What is a 2 year contestibility period in life insurance?


Can the insured plan for estate after taking out a life insurance policy?

If there was no living beneficiaries, would he have to name the estate of His Name at the time of application when the estate hasnt been set up? Does the insured always need an attorney to draft his estates? Can this be done after the life insurance application? Thanks.

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


Is motorcycle insurance usually more costly than auto insurance? whats usually the median cost?

I want to get a motorcycle and I have a car. I am selling my car and buying the bike. Am not worried about passing the licensing test or anything like that. Am wondering about how much motorcycle insurance runs. Anyone that can help with some examples or ratios in their personal life of how much a bike costs compared to a car?


How much does motorcycle insurance cost in California?

Im 18 and i live in california, On average how much would insurace cost for me? . Also lets say i do get my license without purchasing a motorcycle, will my insurace rates still go down throughout the years even though i do not own or currently riding one?


Car insurance price? ?

I am nearly 16 and looking at cars. I was wondering what a ballpark cost would be for me to get a 2000 to 2002 mustang GT. I know the V8 will make it more. I will be 16, a boy, I have a 3.5 GPA.


Does State Farm home insurance require photos of your property to keep on file?

Does State Farm home insurance require photos of your property to keep on file?


Why is healthcare in the U.S so expensive?

Without insurance you are basically screwed. They charge you hundreds of dollars for a simple appointment. If you ever need serious medical treatment you can guarantee your bills will be in the hundred thousands. Why?


Do i need maternity insurance when I already have health insurance?

Just found out we were expecting… I am using Aetna health insurance, Do I need to add maternity insurance? Does it make a difference?


Insurance on a 2006 Jeep Commander?!?

I am turning 16 in December and I am probably going to get a 2006 Jeep Commander! I was wondering of anyone could estimate how much insurance would be on it?! Thanks!


Car insurance who is responsible ? He lives on his own but the car is in my name?

My son is twenty three and lives at a different address. The title for his car is in my name. Who is responsible for car insurance?


What will happen if my homeowners association does not have earthquake insurance?

I own a condominium in a complex in Utah, where we are due for a large earthquake in the next 50 years. I pay an HOA fee which covers insurance in the structure, water, and trash. I recently called our HOA accountant and she said that we do not purchase earthquake insurance. My question is this: what if a large earthquake hits and it is so powerful that our complex is destroyed? Since technically I own a small fraction of a percentage of the land here, what will happen? Do condo complexes usually rebuild even if they don’t have earthquake insurance?

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


Is the criteria for getting auto insurance and the amount you pay fair?

When I bought my new car, I decided to insure it. I did not have my other car insured and I know this is wrong. I never went without full coverage before in my life and I was driving with NO insurance-badddd girl. When I went to get insurance for my new car, not only the regular things were used, but my CREDIT RATING was used for determining the cost. My credit is good, but as we all know, just one search into your rating effects how you look. With all that is going on with finances these days, is it right or fair to use someone’s credit rating to increase the cost for auto insurance? Who are these insurance companies anyway, that feel credit is a reason to charge more or less, so long as they get paid? Do you think this is going over board as far as a persons privacy is concerned and to punish somebody for having financial troubles by raising the auto insurance payments, instead of helping a person by charging a set rate?


When should I buy life insurance?

I’m 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don’t anticipate starting a family for another 5-8 years – is it wise to lock in a level term or whole life at my age or is it just fool’s thinking? EDIT: I also forgot to mention in my initial post that my company provides me with a basic life insurance policy of $30k at no cost to me.


How does LIFE INSURANCE work?

my cousins dad dies of cancer and he had life insurance. the family got $500,000 . -did the insurance company just give them the money away. or did they make certain payments? doesnt insurance lose money? -do they go on a spending spree now or what?


Life Insurance and future illness?

So i have group life insurance through my work. Does this insurance pay for future critical illness? For example: getting diagnosed with cancer in 5 years and then dying a short while after?


How old do you have to be to Insure yourself in California and New York?

My parents are currently paying for my car insurance, but how old do you have to be to insure yourself regarding car insurance in California and New York?


Is getting a motorcycle in college a smart idea?

Im going to be attending UCI in the fall and right now I have a 2000 eclipse. I was looking at parking permits online and I noticed that car permits are 3x more expensive than motorcycle permits. Car permits $98-motorcycle $35. I was planning on getting either a 250 or 300cc bike to get used to them and waste less gas. The only thing is that i barely got my license 4 months ago so i know that i will pay alot for insurance but will it be more than my eclipse? (since I have the GT version i already pay allot). Im not sure if i will be able to find a job right away so i dont want to pay around 1k on car parking permits and get sunk in debt even more. But I also don’t know if buying a motorcycle be a good idea. I have been riding quads for 9 years now and i know how to change gears and stuff but i have only driven a 2 wheel dirbike a handful of times. Son is getting a motorcycle a good idea or should I sell my car and have no transportation on campus or keep my car in the dorms?


Car insurance black box (auto saints)?

I am going to have my car insured with a black box soon from auto saints, because it’s much cheaper than any other insurance that I have looked at. My question is, after the second year does the insurance go down a lot with a years of no claims bonus (my friends say it doesn’t) . So is it worth it? and do I have to keep the black box for the second year as well or is worth it changing insurance company after the second year?


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