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Want to cancel my whole life insurance?

Back in July 09, I let my stepmother's boyfriend create a life insurance policy for me. He works as an agent for New York Life, and since I know nothing about insurance, I just let him take care of everything. For personal reasons, I want to cancel the insurance. I will get something else, probably term, very soon. I just still know nothing about insurance, so I have a few questions about my policy. I do have whole life insurance, so I should be able to get some money back, right? Currently, I have a $50k plan, and I pay just under $50 a month. I got this policy when I was 18, so the monthly cost seems a little high--especially since I have no dependents or debt. If I die tomorrow, I could still get a really nice funeral (not that I want one) and have it all payed in full from the money I have from my inheritance. Was I ripped off or is this pretty standard? Online, it says my Net Cash Value" is $37.97. Is this the money I get back if I cancel? It seems low--it's only about 3.2% of the total amount I've paid. I was expecting some amount closer to 10%. Ideally

   








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Do i need an auto insurance to drive a motorcycle? how much that would be if it is yes? higher than auto insu?
I think i need to know before i buy a bike that whether i would pay more $ on my insurance if there is 1 or would it be cheaper than an auto insurance, like car insurances?Ooh, i am an new driver so how much would it be?"


Getting health insurance with a pre-existing condition?
I just quit my job and no longer have health insurance. I also have a very mild case of Chrons disease....I take pills daily for it, but other than that I'm in great health. I would like to get on a health insurance plan. What are my options? Do you think I will get turned down because of my Chrons? If I can get on health insurance, what range will I be paying per month for coverage?"


Help with Health Insurance?
hi, im a 20 year old male and i have no health insurance. i have deviated septum and need it to be surgically fixed. was wondering if i could join an insurance plan just for that surgery. it is not a pre-existing condition, so could i get the surgery during the waiting period and if not, what are good insurance companies that have relatively low periods."


Life insurance payouts and inheritance?
I really just want some basic answers to satisfy my curiosity until the money actually goes through. I'll try to provide as much information as possible but I've been left a little out of the loop. My father passed away before just before thanksgiving. Very long and drama filled story cut short, my mother quit her job and moved 5 states away to care for him as soon as he was given an unexpected prognosis of a few more months to live. They were technically still married but he immediately took her off the will, out of his insurance policys, and removed her from their joint accounts once she filled for divorce (before he became so ill.) So, all their possessions still belong to her but she doesn't get any money (I think.) I know that there was quite a large sum of money in one account and that there were a few other smaller amounts. I just received a form and w-9 tax form to fill out for the future receipt of some money. I don't know a lot about inheritance or life insurance, so I'm not sure if the total amount stated on this form is what I am receiving in full or if this is just a payout from his life insurance policy. The letter head is from an insurance company. After death, is the life insurance and inheritance combined and given in one sum? Is this amount just my share of his life insurance policy? If there is more money to be expected, how long does that type of process usually take? If the amount is under 100,000 how much should I expect to be taxed, if any? Could receiving almost double my annual income cause me to owe when we get our taxes done? I usually go to H&R Block, do you think they would be able to give me advice, or do you think I should seek an actual financial advisor for my questions? How badly is this going to affect my student financial aid? My previous EFC was 0, as I have lived the past two years with my wife, without financial support from my parents. If it does affect my FAFSA, does it affect it until the money is gone, or just the year I received the money? I am 23, 1 of 7 of my father's children ranging between 18 and 54. My oldest sister (from a previous marriage) was the one he put in charge of the finances but it will be some time before we can sit down and talk about what is actually going on. Thank you in advance for any information you can provide me."


How does car insurance work?
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Is it possible to cash out on your own life insurance policy?
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Will my car insurance be invalidated?
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I want to refinance my car loan but I have really bad credit any suggestion on where to get a loan?
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How can I convince my dad that leasing a cheap car would be a good decision given my circumstances?
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Want to cancel my whole life insurance?
Back in July 09, I let my stepmother's boyfriend create a life insurance policy for me. He works as an agent for New York Life, and since I know nothing about insurance, I just let him take care of everything. For personal reasons, I want to cancel the insurance. I will get something else, probably term, very soon. I just still know nothing about insurance, so I have a few questions about my policy. I do have whole life insurance, so I should be able to get some money back, right? Currently, I have a $50k plan, and I pay just under $50 a month. I got this policy when I was 18, so the monthly cost seems a little high--especially since I have no dependents or debt. If I die tomorrow, I could still get a really nice funeral (not that I want one) and have it all payed in full from the money I have from my inheritance. Was I ripped off or is this pretty standard? Online, it says my Net Cash Value" is $37.97. Is this the money I get back if I cancel? It seems low--it's only about 3.2% of the total amount I've paid. I was expecting some amount closer to 10%. Ideally


How much will my car insurance be?
I'm not looking for the most accurate answer around but how much will my car insurance be around if these are the deciding factors. -Mustang GT -I am a male -year 1998-2002


Does anyone know if soot damage is covered by home owners insurance?
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"If my mum is insured to drive my car, does she still need insurance on her car?"
My mum has been driving for 30 years and she currently has her own car with fully comp insurance. I have just bought a car and want to go under my mums insurance. If I do this, can she cancel the insurance on her car and still drive it (if the cover has a policy that says she is insured to drive any car). In other words will her fully comp insurance cover her on both cars? If not if there an option to add another car onto the policy without having to get a completely different quote? Thanks for your answers"


How much would like insurance cost for my 60 year old mom?
i will be paying but is it based on her income? im looking to buy anywhere from $100,000 - $1,000,000 life insurance she suggested i do but i have no idea where to start and what are some legit real life insurance companys? thanks"


Health Insurance and Lost Wages?
I'm going into surgery for my meniscus being torn during a skiing accident. However, I am a waitress and will not be able to work for at least 2 months. My employer has told me that I will have my job when I return, however I seem to be at a loss as to what I can do to try to recover lost wages."


Im gonna get life insurance from farmers and i need a med. exam what will they check for?
Im gonna get life insurance from farmers and i need a med. exam what will they check for?


I need a pair of prescription glasses asap. who does this in the same day or less? also will my insurance cover this?
I need a pair of prescription glasses asap. who does this in the same day or less? also will my insurance cover this?


Auto insurance claim/ personal injury?
So I got my 1st offer from the insurance claim made because of injuries I suffered in an auto accident in November of 2010. They seriously low balled me, which is to be expected...but what i didn't expect was that part of their reasoning is that...they think 6 months of chiropractic care is excessive so they only want to pay for 10 weeks worth. Cuz I should have just been magically healed in 10 weeks. What I don't think is reasonable is that they don't want to pay in full on a claim made against their client who was UNLICENSED at the time of the accident. So, question is....what do I do here? I am looking into getting a lawyer. Didn't want to because the personal injury limits were so low that I'd just be giving away all the money to the attorney. We already got screwed on the property damages being as they were above the liability limits as well. Someone's getting sued? Can someone just give me advice or let me know how they handles a similar situation?"


Will doctors who accept Aetna health insurance accept Meritain by Aetna health insurance?
That's my new provider through work. I need to see the dermologist and on their site it says they accept Aetna but my insurance is merits in by Aetna. Is that pretty much the same thing?


Can someone tell me what the cheapest car insurance is for college students?
Can someone tell me what the cheapest car insurance is for college students?


Car accident and insurance claim?
2 persons came to look my car for buying purpose. 1 of them was standing in front of my car and other just opened the door and turned the ignation on. the car was in gear so jumped up and hit the person standing in front of the car. man got stuck between my car and the other parked in front of my car and broke his leg. police and ambulance came. they took our statement and did not say anything to me but had separate discussionn with the othee person for long time. my question will this effect my by any mean legally? my car did not have insurance but no body drove the car either. i mean I am really scared what gonna happen to me I don't know if I shall keep trying selling my car or wait until hear from police. thanks


Tips on how to get first time drivers car insurance down?
Hey, so I have my driving test on June 3rd but i am looking to buy a car before then in these next few weeks. Ive been getting some quotes on some possible cars but the cheapest quote i am getting is 4,500, which is absolutly ridiculous! I thought 2,000 was pushing it and i dont intend to pay more than 2,000 a year. The cars ive been looking at are Peugot 206s, Vauxhall Corsa SXI, and Renault Clio's. Which i believe are in the cheapest insurance band. I just dont understand why im getting quotes of 4000/5000. Most of my firends with similar cars pay 1,500 a year which seems right. I must be doing something wrong. Can anyone give me tips on how to get the price down. Should i add my mum as an additional driver? Do modified cars (alloys and tinted windows) dramatically increase the insurance price? Any reccomended insurance companies? Thanks guys!"


Is $1000 a good downpayment for an $8000 car loan?
My fiance is going to be attempting to finance a vehicle within the next 30 days. We are going to our bank tomorrow to talk to a loan officer about getting financed. His credit is pretty bad (dont know an exact number but do know its less then 600) ...but the worst thing was defaulted student loans that are now completely off his credit. He's been at his job for 3 years. We are willing to accept a higher interest rate as we do realize there is no way around it. So, do you think based on the few details you have, that we could finance a vehicle? $8000 is our MAXIMUM price....we found a vehicle for $6500 that we love!! Also, we live in Michigan. Anyone know of any finance companies or dealerships we could contact? Thanks so much...oh and no rude comments please!"


Auto Insurance.......?
Also i did get pulled over one time and i was asked for the insurance, but the police didnt say anything so does that mean I m on the insurance?"


Where can I get liability insurance for my dog?
My boss has liability insurance as well for her dog and for her business.


Want to cancel my whole life insurance?
Back in July 09, I let my stepmother's boyfriend create a life insurance policy for me. He works as an agent for New York Life, and since I know nothing about insurance, I just let him take care of everything. For personal reasons, I want to cancel the insurance. I will get something else, probably term, very soon. I just still know nothing about insurance, so I have a few questions about my policy. I do have whole life insurance, so I should be able to get some money back, right? Currently, I have a $50k plan, and I pay just under $50 a month. I got this policy when I was 18, so the monthly cost seems a little high--especially since I have no dependents or debt. If I die tomorrow, I could still get a really nice funeral (not that I want one) and have it all payed in full from the money I have from my inheritance. Was I ripped off or is this pretty standard? Online, it says my Net Cash Value" is $37.97. Is this the money I get back if I cancel? It seems low--it's only about 3.2% of the total amount I've paid. I was expecting some amount closer to 10%. Ideally


Car Insurance Misquote?
I recently switched from Allstate to State Farm after I received a very nice quote for my car insurance. I switched policies on Tuesday, and cancelled my old policy. Today I got a call from the lady at State Farm saying that she misquoted me and that my actual amount is 80$ more than she originally said per 6 months. This makes my old Allstate policy cheaper (only by $15 but still). She said that I would be rebilled, but I'm kind of thinking that I should be entitled to the policy that I was quoted and paid for 3 days ago. Do I have a legal leg to stand on, or do I have to pay the price for someone else's incompetence? What should I do?"


I was in an car accident other side ran a red light and hit my car in the middle of intersection.?
He came so fast that that by the time i saw him there was nothing I can do. He was on a 4 lane street with a center island and i was coming out of a smaller street.(not gonna get into deep details) we both collide in the middle. There were witnesses there but they didnt seem to wanna get involved so I didnt bother, because his wife came over and said sorry about what happen and the police assured me that they were at fault.Of course they told state farm both our insurance company a different story. On the police report it say Car 2 which was me had a green light. Car 1 him"" related that he saw a yellow light and accelerated through the intersection and hit my car. ""he lied but whatever"" If he was trying to beat a light what are the reason for me to be in the middle of the intersection for him to hit me ""if"" my light was red. I send the police report to state farm and they said the report is inconclusive. They need to investigate more. I have a feeling state farm dont wanna pay me. I ran the guys plate number and his record show he have 1 red light ticket and 3 speeding ticket these 2 months alone. I just want to ask what are the chances of my winning this claim"


How much does car insurance cost for a teen driver in AZ?
I'm 17 & I Just Bought A 2002 Chevy Cavalier LS. & I Need To Pay My Own Insurance. If I Want Full Coverage How Much Will That Be? I Know Some Insurance Companies Take Grades Into Consideration & I'm An A&B Straight Student


"I wrecked my new car , insurance is liability?
i wrecked my car . my car was new 2009 car and my insurance was liabilty. police decided that was my fault. And also i am still paying monthly payment on that car. Does anybody know what should i do next . i been using that car to work now i am unemployee . should i just bankrufcy


What would I need to do to get car insurance (new driver)?
I plan on leasing a car and paying monthly, but I'll need car insurance. I'm 21 and a new driver, Where should I get my car insurance? And how much will i be looking to pay for a car in the 2004-2006 range? Thanks."


How can I get medical insurance while unemployed?
Recently hospitalized and need further lifesaving testing, but hospital will not touch me unless I have insurance or insurance pending."


"Personal finance teacher says insurance 4 electronics, like at Best Buy is a bad investment but idk is that true?"
He says you pay to get it replaced with a refurbished item, is that true? He also says its better to save the $ you would spend on it (insurance) and that should be enough to cover a refurbished one online and have some $ left over. Does it sound like a smart approach to you guys?"


I'm going to be 17 soon and I've started to look for cars. Does anyone know any classic convertibles that would be cheap to insure and buy?
I'm going to be 17 soon and I've started to look for cars. Does anyone know any classic convertibles that would be cheap to insure and buy?


Car insurance is PHENOMENALLY high?
So im a new driver who is 22 years old living in brooklyn New York. I got a job which requires me to commute by car. Im ok with purchasing the car and owning it but i got several insurance quotes which are all $500 and more a month. I already chose the highest deductable and the lowest liability. as well as the all discounts available (good student, defensive driving) and its still $500+ Is there a cheaper way to finance this insurance, with this as well as college payments, i cant afford it. and how does insurancing under someone elses name work?"


Would it be cheaper to insure honda civic or honda accord?
I'm talking about general prices for each of them, I'm thinking accord is cheaper because its cheaper and non sporty and a family sedan can anyone tell me how much they pay for their inusrances?"


How much would motorcycle insurance be for a 19 year old in Florida?
I'm 19 years old living in Toronto Ontario Canada. I've been riding street bikes since 16 years old and have obtained my M class license. (Ontario's full motorcycle license) My dad is moving the Family back to our hometown of Jacksonville Florida and was curious as to insurance prices since there is no way in hell a 19 year old boy from Toronto can afford a premium on a 600cc sport bike. I currently have a premium on a ninja 250R around 2000$ a year and a secondary driver policy on my dads R6 around 1100$. since my bike here in Canada goes by KMPH i would need to sell it and save myself the hassle of transferring all the info. So would there be any chance of me affording a R6 in Florida or would they rape me there too?


How much does it cost & How long does it take to rebuild after a total loss house fire?
I know that insurance pays for things, but with anything else I've had to use insurance for it didn't cover everything. 1. How much can I expect to spend (ballpark or percentage) if I had a 2000 square foot home with average insurance and average contents? $20,000, $30,000 out of pocket? 2. How long does it usually take to get the ball rolling to people out to estimate damage and begin construction?"


Suv insurance 16 years?
I am getting a mini suv probably a 2006 chevrolet equinox or a 2006 tuscan hyundai for my 16th birthday. I am going to have to pay the insurance on it though, I would be cosighning with my parents. They have perfect credit and also I have a 4 month old daughter who will be riding with some of the time. About how much would the insurance cost me? I'm clueless when it comes to these things. Thanks in advance. Also what is the best mini suv to buy that is under 25 thousand?"


Insurance Agent makes how much per policy on average?
Insurance Agent makes how much per policy on average?


"Car accident, driving record & Insurance?"
If car accident happended and insurance covered the damage, but at-fault violation is kept off the driving record with help of being first offender, then will it still affect car insurance rate even if switching previous insurance company to other? Do insurance companies share their custmer drivers' information?"


Want to cancel my whole life insurance?
Back in July 09, I let my stepmother's boyfriend create a life insurance policy for me. He works as an agent for New York Life, and since I know nothing about insurance, I just let him take care of everything. For personal reasons, I want to cancel the insurance. I will get something else, probably term, very soon. I just still know nothing about insurance, so I have a few questions about my policy. I do have whole life insurance, so I should be able to get some money back, right? Currently, I have a $50k plan, and I pay just under $50 a month. I got this policy when I was 18, so the monthly cost seems a little high--especially since I have no dependents or debt. If I die tomorrow, I could still get a really nice funeral (not that I want one) and have it all payed in full from the money I have from my inheritance. Was I ripped off or is this pretty standard? Online, it says my Net Cash Value" is $37.97. Is this the money I get back if I cancel? It seems low--it's only about 3.2% of the total amount I've paid. I was expecting some amount closer to 10%. Ideally