July » 2007 » All about Finance and Insurance

Can you transfer a whole life insurance policy to another company?

I am unhappy with both the performance and service on a whole life insurance policy that I’ve had for about 11 years. Do I have any options? I’d never get the same rates now. I was told when sold the policy that dividends could pay the premium after 20 years…doesn’t look like that is the case. Also, the cash value is LESS than the actual money i have put into it. Is this normal or do I have a crappy policy?

What is the easiest way to get health insurance quotes?

What is the easiest way to get health insurance quotes without being harassed by sales people?

Does a small business owner have to provide health insurance to his employees?

I’m starting my own business and I want to buy my family’s health insurance through the business because they do some work for me. However, I do not want to offer it to my employees who are not in my immediate family. Are there any regulations against this. I just want to know before I proceed any further. Thanks.

p.s. I’m in Georgia, so any rules for that state would be most helpful, but help from anywhere would be great too.

How badly does debt relief (not consolidation) hurt your credit?

I’ve heard that debt relief is almost as bad as a bankrupcy- is this true?

Debt Consolidation companies?

I am roughly $7800 in debt and am looking for a debt consolidation company. I am looking for a legit company that can help me work wih my creditors and get my out of debt. Any help would e appreciated.

Is it possible to get auto insurance if you don’t have a license?

This will probobly sound bad, but my license just went off its suspension but i don’t have the money for the reinstatement fees. I really really need to get a job, not only for the fees, but for extra money period. Its impossible for me to get a job if i can’t get there, as i have no other means of transportation. So i was wondering if i was to at least get insurance (the reason for my suspension, not having insurance) would i lessen the reprocussions (spelling) of driving under suspension, or would it even be a D.U.S. seeing as it’s technically not suspended anymore.

What is the best life insurance company to work for with great commission?

What life insurance company is the best in the nation to work for and why? I am doing research and trying to figure out which life insurance company is best to work for or what is the best strategy working in the insurance field.

I want to pay off my credit card debt. What are the best consolidation services I should use?

I owe roughly $15,000 (between two cards). I was young and immature when it came to money and now I have to pay the price. I tried to get a new credit card to consolidate both balances but I was told in an application that my credit score was lowered by too many enquiries over a period of time (big bummer) so I can’t get a new card. I almost went with Capitol One, thats how desperate I was. But alas I’m still stuck with these two high interest cards. They’re college cards that I got when I was 18 (24 now). I tried to get the companies to lower the interest rate but they gave me a song and dance about the rates being on perma-set rate. So i need advice/help bad.

Do I have to add my roommate on my auto insurance policy?

My roommate and I each have a car but we don’t share the same insurance policy. He has his own and I have mine. I just got auto insurance for my new car and the agent was telling me that I should add people living with me, but his driving record is bad and I don’t want it to raise my premium. The agent said that anyone who doesn’t live with me can drive my car and they’ll be covered, but because my roommate lives with me, he won’t be covered even though he has a different policy.

Can health insurance company drop you if you making COBRA payments on time?

My sister is in a nursing home. I have been paying her COBRA since
December. The nursing home called and “warned” us to find a medicaid facility because her health insurance will probably drop her.
Why?

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