Why is it cheaper to get term life insurance as a business or through a business than as an individual?

Why is it cheaper to get term life insurance as a business or through a business than as an individual?

It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?

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


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Car Accident / Insurance?

I had a car accident this morning In NJ, I was borrowing my roomates car but I only have a license and I’m not on her Insurance, the taxi driver is @ fault and he was given a summons, pls advise what can i do b/c people are telling me i’m screwed if i’m not on her insurance? can i call the insurance coo.and add myself on today?? pls advise need help !!!! My license is from florida not from NJ


I need advice on moving out?

I want to move out. I can start double shifting at my job again, which is technically only part time, and move out by myself. I’d make 1400 to 1600 a month, and I’d pay only 160 for gas, and only 80 for a phone bill. I’d pay 150 for auto insurance, if that is a correct quote, that is(I was in an accident late december that was my fault), and, as for rent, there are two places I could go if I move out by myself. I could take the 700 dollar house, which includes all utilities and wifi and have about 350-600 remaining for food and things. Or, I could move in with a roommate. The rent would be only 500, and all utilities would be paid, and I’d be left with 500-700 a month. What should I do? Are either of these options financially viable? Am I overlooking other things I need to buy, not furniture, have that handled?


Why is State Farm online auto insurance quote differs from a State Farm’s agent quote in Honolulu?

I went to a State Farm office today to get an auto insurance quote, and to my surprise, the quoted price is more than double the price that I got online at State Farm’s website. Not only that, the benefit in quote that the agent gave me is worse than the one I got online. The agent gave me two quotes. One with same benefits as the one I got online and another for a lesser benefit than the one online. Both quotes have higher prices than the one online. Am I missing something? Is this a common thing? I thought both online and agent quote price should be same. Thanks!


Where can I find the cheapest insurance for young drivers?

@roger What the hell? wait until you actually have a car that you can use to get insurance”. This is what I am doing. But how can I buy a car first if I don’t know what the insurance going to be in the first place. May be that you buy car first and then punch your face because the insurance is expensive. I want to find the cheapest insurance BEFORE I buy a car. If you are so worried about my email spam

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

Can you stay with COBRA coverage if you land a job and health insurance is not offered or is delayed.?

Can you stay with COBRA coverage if you land a job and health insurance is not offered or is delayed.?


Car insurance first? car first? what to do?

Going to buy my first car new off the lot. Do I Buy the car first and drive it off the lot ILLEGALLY and then get insurance? OR can i get Car insurance without a car and then buy the car? How does this work if I am not insured and don’t have a car?


Does my international travel insurance cover rental car?

Does my international travel insurance cover rental car?


Why is it cheaper to get term life insurance as a business or through a business than as an individual?

It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?

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


Can I cancel my motorcycle insurance?

Do I have to have insurance on my motorcycle (in IL) during the winter when I don’t even ride it? Can’t I just cancel it for the Winter and then start it up again in the Spring?


How long before an auto accident insurance claim expires?

Someone hit my parked car on November 6th. It’s now November 24th. I made a file with the insurance the day after the accident, and got a letter saying it was approved shortly after. I was told I now need to bring my car in to a repair shop to get it evaluated and worked on. It’s a very long complicated process that’s very inconvienient for me, because most auto repair shops around here are closed on the weekends & when I get out of work. I’m not sure how long I have to fix my car under the claim. Will it eventually expire? NO-ONE has been returning my phone calls, and I’ve tried calling both my insurance company and the person who hit me who I have the claim with. Anyone who can help? :/


Question about health insurance. Medicaid and bcbs of il.?

After finding out I was pregnant in april 2014, I applied for Medicaid since husbands open enrollment for bcbs had not begun. He put me on his insurance but I was unaware because we were separated. I continued to use MedicaidMedicaid found out about secondary insurance and has not paid for anything since August 2014. I was unaware of this until yesterday when I got a bill from my obgyn for over 4k. (I had my baby in November) I call bcbs and they say benefits will decrease by 20% less since I didn’t get preauthorization from them. I haven’t received a hospital/anesthesia bill. Like I said, I didn’t know any of this was going on until yesterday. When I filled a prescription for bc pills last month and this month, Medicaid covered them. Does that mean I’m still on Medicaid? Can bcbs deny all claims since August after all? Did Medicaid cover my hospital stay?


Insurance Car Accident?

So today my insurance expired Feb 1st and I had thought I was covered for today. It is snowing outside and a car crashed behind me and did some serious damage. I called the insurance company and got insured. If the crash happened before I paid the insurance but no police were involved am I still covered. The exact timings wouldn’t be found out if no police were called at the time correct?


On average how much is car insurance at 17?

on average for a ford ka 2000 a student girl driver (please dont recommend for me to go on go compare etc as i havent got the time thanks full points for best answer


Should I get life insurance??

I am going to be 20 and I am having a beautiful baby boy in January….would it be a good idea to get life insurance?


Is it legal for a home insurance company to require renters insurance for a domestic partner?

This may sound unusual but The contents are not my concern. I just want home owners insurance because the mortgage company requires it. To require me to have anyone living with me to also get renters insurance seems fishy. why would someone be able to sue him if they get hurt? Wouldn’t they have to sue the owner of the property?


Driving licence in chennai?

hi. if a person whoz from calcutta but residing in chennai needs to apply for a driving licence, is it possible to do so in chennai? whats the procedure involved? and can one buy a vehicle in chennai if one is not a permanent resident of chennai? thanx.


Why is it cheaper to get term life insurance as a business or through a business than as an individual?

It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?

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


How much will insurance be on a 2004 Nissan Maxima SL?

By the time I get the car I will be like 18 and 1/2. I will be under my parents policy and I only get into one accident (very minor) but it was at no fault. Parents got into no accidents in the last like 5 years. I want a rough estimate on how much it will be a year for the car I am going to get. Thanks


How much would it cost for a 17 year old to insure a…..?

– I’m 17 in 3 months so i’m thinking about lessons and such at the moment. – I haven’t passed (obviously) – I haven’t got that car, I’m looking at it and I quite like it 😀


Is there a car insurance that will give a young driver a reasonably quote?

i recently purchased a mk1 ford fiesta. theres no mods to the car and tax wise i think its a classic. its a 1984. i have wanted a mk1 fiesta for years now and its the car i want to drive. im 17 and the cheapest quote on any car ive been given is 2000. are there any companies that will give me a good quote on my fiesta


How much roughly is insurance for a 17 year old driver, on a 125cc bike?

How much roughly is insurance for a 17 year old driver, on a 125cc bike?


Will my insurance drop me?

So back in february, about two months ago, i rear ended a guy on the highway. Damage was like $2500. Well today while trying to merge, i hit another guy. Believe me, i feel like a damn retard, but what im wondering is since this next accident was so soon, could my insurance drop me, and could i get into some kind of trouble?


If i drive someone else’s motorcycle and get in an acidet would the owners insurance cover me?

Just want to know if motorcycle insurance works the same way car insurance do.


Car insurance claim Question?

Okay, so here is the story. i was in a private McDonald’s car park when the was car meet event, nothing official boy racers if your wish, the car parks were full to the brim with cars parked all over the place, with hardly any lighting at 10 o clock as night, visibility wasn’t at its best. i was stuck in a Que of traffic trying to get out of the car park, when the car in front started reversing for what ever reason, so i put my car into reverse, had a glance in the rear view mirror which really was no help because of the poor lighting. I let my foot of the brake as the car in front stated reversing an with in milliseconds i herd people shouting, so i stopped and got out, there was a car right behind me must have on been cm away, with a massive dent in the drivers door. although i didn’t even feel a thing i quickly apologised and began to sort the problem. i have no clue whether the driver had his lights on or not. i suspected that i couldn’t have done it because i had barely moved and there was no damage to my car what so ever. Although this being my first accident i was nerves so took responsibility. We both decided to sort it out between our selves, i didn’t want my insurance to go up as it is high enough already as a young driver, he said he would need a new door and i agreed due to the size of the dent, so he found one on eBay for £150 and would take nothing but that as i only had 100 in the bank at the time we drove to the cash machine he took the £100 and we agreed that i would pay him the other 50 in two weeks when i got paid, i writ a receipt to say that i had paid him this money and there was a following £50 to come, with his signature and address phone number ext… two weeks later herd nothing although i kept the money aside for a couple more weeks just in case, but still herd nothing after over a month he texts me asking for the £50 which i no longer have, i explain to him that he has left if for over month and now expects it instantly. Now he says he is going to put in an insurance claim, which i cant no see happening due to 2 reasons 1. he has already tried to sort it him self and failed to because of a fault of his own 2. because he was on a private car park at an illegal car meet Am i right? or is there anything i should do or know about this situation. Thank you.


Moving to CO in a month, how do I go about switching my car insurance?

I’m under my dad’s insurance now (AAA).. it’s his and my car on his policy. I was told by them that once I cancel it, it’ll take effect immediately and be taken off the policy. I’m moving to CO on the 18th of next month and want my new insurance to take effect on that day. If I start my policy for that day and cancel the AAA the same day, will they pro-rate June’s insurance so I don’t have to pay for the full month since my car won’t be insured by them for that whole month? I just don’t want to get stuck paying the bill twice in one month.

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


Life Insurance?

Thanks for all of the answers everyone, I didn’t expect so many good ones. Although I feel I’m still a little confused maybe I’ll consult an insurance agent, because I’m still uncertain which type of insurance is the best for me, I pretty much think that term life insurance is not good for me because even if I bought a 30 years term policy and I live past my 48th birthday I’ll get nothing from it.


Car Insurance Question… PLEASE HELP!?

My sister bumped another car when she was backing out, when the car saw her backing out but still went ahead and there was no damage. My sister, in a moment of insanity, gave the woman, who is an attorney, her insurance number and some other information. All she took from the woman was her name and email. Now we have a claim coming in. We have no idea what to do. She is still in college, and is under my parent’s insurance. There was obviously nothing wrong with the car. My parents are beside themselves with worry, because the claim could mean anything from $50-$20,000. Words cannot explain my anger towards my sister’s naivety in the human race. What can we do? We will know more about the claim tomorrow.


Can I get private insurance with a van?

Hello Yahoo, I was interested in buying a bedford rascal for my first car” however I’ve been doing some research and talked to a few people and they tell me if I buy a van then I’ll probably have to buy commercial insurance with it- is this really true? Can I not have it strictly for private use? And finally


What does Group 11E” mean?”

I was on autotrader.co.uk looking at a freelander and it said the insurance group was 11e, what does this mean?



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

Name the top burial insurance companies for ages 75 and up?

who provides affordable burial insurance for sr. citizens ?


Why is it cheaper to get term life insurance as a business or through a business than as an individual?

It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?


Does anyone have recommendations for low-cost health insurance in CA? I can’t afford Tonik any longer.?

I am an unemployed healthy 20-something paying around $150 a month (with a high deductible).


How much insurance would a 1977 Camaro be for a 16 year old?

I sold the 97 Altima after 7 months of owning it because it was a piece of garbage (I only got it because it was my first car and having a piece of junk is a rite of passage.) I am in the process of selling the 98 Sebring because it has 148K miles and it isn’t getting any younger. I would only have one car at a time, not all 3.

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


What is the insurance cost for a 16 year old guy with a ford mustang 2004?

What is the insurance cost for a 16 year old guy with a ford mustang 2004?


Insurance on a ford fiesta 1.25 GHIA?

i would be under my mums like as the second driver


In MA. if someone cosigns auto loan But NOT ON THE REGISTRATION NOR INSURANCE POLICY can THEY be held liable in the event of an accident?

In MA. if someone cosigns auto loan But NOT ON THE REGISTRATION NOR INSURANCE POLICY can THEY be held liable in the event of an accident?


What is the best Health Insurance in vancouver?

I’m an international student planning to stay here in vancouver for the next 5 years. just want to know from people who live here and from there experience what is the best Health Insurance? thank you guys for help 🙂 cheers


What is the best cheap car insurance qoutes in the uk!!?

pleas help!!


Is the chevy cobalt SS/TC a good first car?

I hear nothing but good things about it, saw it fell in love with it. Is it too fast to handle?


Does liberty mutual offer trampoline insurance?

I want to get a trampoline but I don’t know if my home insurance company covers it does anyone know Thanks for all the answers


What is the Solar Insurance?

What is the Solar Insurance?


Life insurance?

My mother past a few years back but I still wonder if she had an insurance policy, she told me she did just before she fell ill and went to a nurse home and I do not think she was able to make the payments for the insurance for about a decade, I wonder if the policy could still be active if it is not her fault that she got ill and could not make the payments? Also I do not remember what insurance company the policy was with, have any idea how I could find out? Thank You…

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


What kind of insurance company do I go through to insure a rock show?

Setting up a concert through a venue and they require me to have insurance, in case something happens like someone gets hurt or the venue breaks apart. What kind of insurance am I supposed to go through? Who should I call?


Why is it cheaper to get term life insurance as a business or through a business than as an individual?

It seems much more costly to buy direct as an individual than thru my company. Is my company getting a tax credit/discount? Should I form an LLC to get the same discounted value?


My mom insists I’m lying when I’m not?

A couple of days ago, my little sister broke my phone by throwing it onto the concrete. It is so broken that I can’t even turn it on. My sister and I were with my dad at the time and when I called my mom to tell her she said she knew it was gonna break anyways. Which really pisses me off. Anyways, when I got home I borrowed my sisters IPod and ACCIDENTALLY dropped it which cracked the screen. When my sister found out she was pissed (understandably) and told my mom. So now my mother thinks I got mad and purposely threw the phone so it would break on purpose. Which is some bs. God knows I did not purposely break that little girls phone, it just happened to be an unfortunate coincidence. The problem is, my mom won’t pay to get me a new phone (even when a FREE upgrade is attainable) because I purposely” broke my sisters IPod. How do I convince my mom I’m not lying


How much would my car insurance cost?

If i were to leave my parents insurance plan, how much would it cost me for insurance per year or month? I am 18 years old with no accident records, no criminal records, and a drivers ed discount. My car is a 1997 Plymouth Breeze with 150k miles and its red. I still live at home. If someone is in the same kind of situation can I just get an estimate…I think this covers everything that effects car insurance for college students, and I don’t have a good grade discount. Oh yeah, I am on Liberty Mutual insurance under my fathers plan.


Do I need Car Insurance to drive with a learners permit?

i live in Pennsylvania, i was told that i do not need car insurance to drive with a learners permit and i am 16. can anybody confirm, disprove, and/or explain more in depth?


What states don’t require auto insurance?

As a young driver auto insurance is way to expensive. Since I drive a Mercedes most quote me at thousands of dollars a year. More than what I can afford. I know some states don’t require car insurance if you can prove you have the financial means to pay out if you cause an accident. I need a list of those states that don’t require auto insurance if you can prove you can afford to pay out. On top of this question how do I prove I can afford it. Do I need to keep a minimum amount of money in a bank account or do I have to buy a bond how does it work. And if it works with a bond or bank account please list the states with the minimum $ you need in bonds or account money. The reason Im asking is that I can easily get a minimum amount in my account (hopefully under $10,000) because id rather have $10,000 sitting in a bank I cant use than having to pay thousands a year for insurance I don’t need. I been driving for 3 years and I never had an accident and im confident I never will (at least not one that’s my fault) so I don’t wanna waste thousands of dollars I need for my school. The reason Im asking is cause im looking for a state that suits me. So far Vermont and new Hampshire have laws to my liking but hopefully you guys can give me more possibilities by answering this question. Thanks


How much will car insurance cost?

Hello, I am looking to buy a car in UK. There are many options for an affordable price, but what I am most concerned about is how much will insurance cost for me? I am 19 and own a license for one year. How insurance is calculated? Thank you


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