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Updated: Tuesday, May 14, 2002, at 5:00:12 AM PST
Loan
Rates
Points
30-year fixed
6.80%
0.65
15-year fixed
6.27%
0.65
1-year ARM
4.95%
0.78
30-year jumbo
6.97%
0.59
Source: HSH Associates, Financial Publishers
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Results from search: http://www.parenting.com/parenting/family_finance/insurance/mysteries2.html
Parenting.com - Family Finance - Insurance
Welcome!
tue 5.14.02
Making Cents: 59 percent of moms with babies under age 1 now work -- almost double the percentage in 1976.
-- U.S. Census Bureau
Facts & Figures: The average car buyer pays 11.3 percent less than the marked price.
-- CNW Market Research
Making Cents: In a 25-year study, University of Michigan researchers found that kids who grew up in homes where common areas were rated "clean" or "very clean" stayed in school longer and then earned more money than those raised in dirty ones. -- Newsweek
Facts & Figures: Women control 85 percent of all U.S. personal and household goods spending.
-- Nielsen Media
Making Cents: More than 1 out of 4 people think they are worth less than 30 percent of their true wealth.
-- Association for Financial Counseling and Planning Education
Making Cents: The median income for households in the US was $40,816 in 1999 (the latest year statistics were available). -- The White House
Facts & Figures: In 2000, the U.S. federal government accepted over $1.8 million in gifts from people who want to help pay off the $5.7 trillion national debt.
-- The Public Debt Online
Life Insurance Calculators
Solving the Mysteries of Life Insurance
Going shopping
Once you've determined how much and what kind of insurance you need, it's time to do some comparison shopping. For term insurance, 800 numbers and Websites can provide dozens of quotes. Group insurance offered by your employer is often a good buy, especially if you can take your policy with you if you change jobs.
For permanent coverage, you'll probably need a broker. Contact the local chapter of the National Association of Life Underwriters or the Society of Financial Service Professionals (888-243-2258; www.financialpro.org ). Look for an agent with at least five years'experience and a C.L.U. or Ch.F.C. designation. If you're buying a variable policy, your agent must be registered to sell securities. If a different agent's name appears on your application, it may mean your agent isn't registered.
Be skeptical about the policy
CONTINUED CHAPTERS ON LIFE INSURANCE:
Types of Insurance
Going Shopping
Figuring the Bill
Deciphering Unit Costs
The Second Lesson
A Script for Shopping
Where to go on the Web
High_risk Group
For savings calculators and other tools, visit CNNMoney . You might want to try these: Mortgage Refinancing Calculator
Retirement Calculator
Millionaire in the Making Calculator
illustrations when it comes to comparing costs of cash-value policies. Call a low-cost, low-load provider like USAA Life Insurance (800-531-8000) or Ameritas Life Insurance (800-552-3553) for a benchmark quote.
When you have narrowed your choices to a few companies, check their ratings for financial stability. You'll find A.M. Best's Insurance Reports, Moody's, Standard & Poor's or Weiss Ratings at your local library. A.M. Best reports can be ordered over the Net. Choose only top-rated companies.
Tell the truth on your application. If you smoke, say so. If you die within the first two years of the policy and it's found that you lied on your application, the insurer can refuse to pay.
Finally, do not make your estate your beneficiary, unless you're advised to do so by your attorney or financial planner; doing so will tie up the death benefit in probate and delay your survivors the protection you've gone to all this trouble to provide.
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Results from search: http://www.parenting.com/parenting/family_finance/insurance/mysteries6.html
Parenting.com - Family Finance - Insurance
Welcome!
tue 5.14.02
Making Cents: 59 percent of moms with babies under age 1 now work -- almost double the percentage in 1976.
-- U.S. Census Bureau
Facts & Figures: The average car buyer pays 11.3 percent less than the marked price.
-- CNW Market Research
Making Cents: In a 25-year study, University of Michigan researchers found that kids who grew up in homes where common areas were rated "clean" or "very clean" stayed in school longer and then earned more money than those raised in dirty ones. -- Newsweek
Facts & Figures: Women control 85 percent of all U.S. personal and household goods spending.
-- Nielsen Media
Making Cents: More than 1 out of 4 people think they are worth less than 30 percent of their true wealth.
-- Association for Financial Counseling and Planning Education
Making Cents: The median income for households in the US was $40,816 in 1999 (the latest year statistics were available). -- The White House
Facts & Figures: In 2000, the U.S. federal government accepted over $1.8 million in gifts from people who want to help pay off the $5.7 trillion national debt.
-- The Public Debt Online
Life Insurance Calculators
Solving the Mysteries of Life Insurance
A script for shopping
All this may leave you feeling that permanent life insurance can't possibly be worth the trouble. But, if you have a high income and are contributing the maximum allowable to your retirement accounts, the investment component of a permanent life policy may well suit your needs. It's just that comparison shopping takes some effort.
To assess your options, ask your insurer what investment assumptions underlie the policy illustration. Ask for an illustration of a worst-case scenario: what your cash value would look like if your insurer pays its rock-bottom guaranteed rate, usually about 4%. And ask for a complete breakdown of costs, including commissions, loads and fees. Then calculate your costs for a few years on alternative policies. Or consult the Consumer Federation of America (202-387-0087), which for $45 will evaluate the rate of return your life insurance policy is providing.
"They say in the industry that life
CONTINUED CHAPTERS ON LIFE INSURANCE:
Types of Insurance
Going Shopping
Figuring the Bill
Deciphering Unit Costs
The Second Lesson
A Script for Shopping
Where to go on the Web
High_risk Group
For savings calculators and other tools, visit CNNMoney . You might want to try these: Mortgage Refinancing Calculator
Retirement Calculator
Millionaire in the Making Calculator
insurance isn't bought, it's sold," says Fechtel, meaning that people generally purchase the policies that are marketed most effectively to them, rather than the ones that suit them best. "That means that as a buyer, you have to do your own disclosure," he concludes. "Otherwise, you are just a stooge waiting to have your pocket picked."
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First Financial Center, Ltd. - offers annuities, life, disability and long-term care insurance with special expertise in investments, retirement, business and estate planning.
G.E. Young & Company - provides full claims adjusting, third party administration, appraisal, and insurance loss accounting services from offices in five states.
GAB Robbins - offers insurance appraisals and reserve studies.
Gainsco - nonstandard property and casualty insurance holding company.
GE Financial Assurance - family of insurance and investment products and services.
General Casualty Insurance Companies - property and casualty insurance company serving the midwestern states.
George Farjeat Insurance Services - providing automobile and homeowners insurance. Includes free quotes and insurance information.
Government Employees Association (GEA) - provides economic insurance benefits to government employees and their families.
Grange Insurance - offering auto, home, and commercial casualty, life, and motorcycle insurance in six in IL, IN, OH, KY, TN, and GA.
Great American Insurance Group (6)
Great West Life and Annuity Insurance Company - life, health and disability insurance, and 401 (k) products for group customers.
Group Insurance Concepts, Inc. (2)
Guardian Life Insurance Company of America - a mutual company, owned by the policyowners.
Hansen Insurance - commercial and personal insurance agents.
Harleysville Group Inc. (1) (Nasdaq: HGIC )
Hartford Financial Services Group, Inc. (6) (NYSE: HIG )
Hibernian - offers a range of insurance and personal finance services.
Highlands Insurance Group - holding company engaged in property and casualty insurance.
Horace Mann (1) (NYSE: HMN )
ICW Group - offers coverage for property casualty, workers' compensation, automobiles, and more.
India Network Group Health Plans - for visitors, temporary workers, and students.
Industrial-Alliance Life Insurance Company@
Insurance Centre, The - offers online quotes for car, home, travel and bike insurance. Offers advice, glossaries, and comparative quotes.
Insurance Management Company - specializing in providing risk management and insurance broking services.
Insurance Only - offers comprehensive services and resources including health, life, auto, and home insurance.
Insurance Works, The - insurance marketplace provides quotes for health, auto, homeowners, disability, long term care, and life insurance from providers across the country.
InsuranceBeacon.com - offers real-time insurance quotes for auto, home, and term life insurance.
InsuranceGenie - offers auto, business, homeowner, life, and long term care insurance.
InsurWise.com - offers quotes and rates from major insurance companies for life and term, health, pet, car, and homeowners insurance.
Internet Insurance Agency - independent insurance agency providing online insurance services and information including insurance quotes, MVR's, policy info, claims, and policy changes.
Interstate Assurance Company - manufacturer and marketer of personal financial products, with an emphasis on life insurance and information.
Jamieson Insurance & Financial Services, Inc. - offering instant quotes for home, rental, condominium, and auto insurance.
John D. Williams Company - risk management and insurance services for clients in all fifty states, several U.S. territories, and a number of foreign countries.
John Hancock (7) (NYSE: JHF )
Kemper Insurance Companies
Group (6)
Liberty National Life Insurance Company
Life Investors Insurance Company of America - designed to provide information and educate and recruit prospective agents for the sale of our products.
Lloyd's of London@
LocalInsurance.com - offers life, health, auto, business, and home insurance quoting and comparison services as well as an agent locator.
Manulife Financial (4) (NYSE: MFC )
Markel Corporation (3) (NYSE: MKL )
Meridian Insurance - offers property and casualty insurance.
MetLife (7) (NYSE: MET )
MGA Hazard Tracking, Inc. - tracks hazard insurance for lending institutions with residential servicing portfolios.
Midland Company, The (2) (Nasdaq: MLAN )
Millea Holdings (Nasdaq: MLEA ) - holding company for the Tokio Marine and Nichido Fire insurance companies.
Millville Mutual Insurance Company - property and casualty mututal insurance company.
Minnesota Mutual Insurance Company - personalized financial products and services, including life insurance, disability protection, pension plans, annuities and mutual funds.
MSDiversified Corporation - operates primarily as a finance and insurance holding company. Offers products for banks, lending institutions, and automobile dealerships throughout the Mid-South.
MSI Insurance Companies - co-op based insurance company, offering commercial and personal insurance, including agribusiness cooperatives, life, home, auto and business insurance.
Mutual of Omaha - offers planning for college, retirement, estate, and more.
Nationwide Insurance Enterprise (2) (NYSE: NFS )
New England Financial (4)
Norwich Union@
Ohio Casualty (1) (Nasdaq: OCAS )
Old Guard Insurance Group - offers various personal and commercial insurance plans in PA, DE and MD.
Old Mutual@
Old Republic International Corporation (5) (NYSE: ORI )
Pacific Century Group - provider of communications services to the global satellite, telephone, and Internet services industries.
Parson Group - professional services firm providing solutions consulting in accounting, finance, risk management, and insurance, with offices located throughout the US.
PDP Group, Inc. - specializes in services for the automobile dealer industry.
Penn America (1) (NYSE: PNG )
PICO Holdings, Inc. (Nasdaq: PICO ) - operates in five segments: portfolio investing, property and casualty insurance, life and health insurance, medical malpractice liability insurance, and other.
PMA Insurance Group (1) (Nasdaq: PMACA )
Preserver Group - property and casualty insurance holding company.
Primerica Financial Services - financial services marketing organization.
Protective Life Corporation (4) (NYSE: PL )
Prudential Corporation (3) (NYSE: PUK )
Prudential Financial (15) (NYSE: PRU )
Public Safety Employee Benefits Association - provides police officers, firefighters, paramedics, and other union safety personnel access to financial products such as insurance, retirement planning, and will and trust services.
Quicken InsureMarket - receive real-time quotes and buy policies for auto, home, and life insurance.
Quotesmith.com, Inc. (1) (Nasdaq: QUOT )
Royal & SunAlliance (9)
Seibels Bruce Group, Inc. (3)
Selective Insurance Group, Inc. (4) (Nasdaq: SIGI )
Sentry Insurance - offers renters, motorcycle, and critical illness insurance.
Setnor Byer Insurance and Risk - offering property, casualty, and financial insurance services and risk management strategies.
Sir Huckleberry Insurance Company - offers a variety of clever and unique insurance products.
Skandia Insurance Company (1)
Sneed, Robinson & Gerber, Inc. - offers auto, life, and health insurance.
Specialty Human Services - specializing in insurance for non-profit organizations.
Standard Management Corporation (Nasdaq: SMAN ) - global, diversified financial services company providing insurance, annuities, and tax-advantaged investment products to clients worldwide.
Insurance (3)
Structure Central - providing structured settlement annuity quotes, sample forms and support for plaintiff and defense cases.
Sun States Insurance Group - property and casualty company specializing in private passenger automobile and commercial lines insurance.
Tokio Marine - provides property, casualty, life, and marine cargo insurance services.
Torchmark Corporation (4) (NYSE: TMK )
Travelers Property Casualty - provides auto, home, life, property, liability, and related insurance services to individuals and businesses through independent agents and brokers.
UICI (1) (NYSE: UCI )
Unified Insurance Services - services include dental, home, and auto insurance, prescription discount cards, and other personal services.
United American Insurance Company - offering accident, health and life insurance.
United Educators Insurance Risk Retention Group, Inc. - licensed insurance company owned and governed by almost 1,000 member colleges, universities, independent schools and related organizations in 47 states.
United Fire Group (Nasdaq: UFCS ) - group of companies offering insurance for personal and business needs.
Unitrin, Inc. (4) (NYSE: UTR )
USAA - worldwide insurance and diversified financial services with roots in serving the military community.
W.R. Berkley Corporation (5) (NYSE: BER )
Washington Mutual Insurance Services - auto, home, renters, RV, commercial, boat, disability, life insurance, and more.
Wedsafe - offers wedding planning and wedding day insurance.
West Bend Mutual Insurance Co.
Westfield Insurance Companies - a multiple line company offering a broad range of insurance and related products and services for individuals and businesses.
Winterthur Group@
WSIB Insurance - specializing in motorsports, transportation, professional, property, and general liability insurance.
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Time to Refinance Your Car Loan
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Understanding Your Credit Report
Get up to speed on the ins and outs of your credit report and see how it helps determine your credit score.
Simple Finance Calculations
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Refinancing Basics
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Avoiding Credit Hassles at the Dealership
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How to Shop for Insurance
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Little-Known but Important Insurance Issues
We look at some not so commonly discussed, but important, issues about insurance that can benefit you tremendously when managing your automotive coverage.
How to Save Money on Auto Insurance
A rule of thumb is, the more expensive, high-performance, theft-prone the car is, the higher your insurance premium will be. Keep that in mind the next time you go car shopping.
Extended Warranties: Extending The Joys Of Ownership
In many cases it is not the vehicle being broken that causes the most stress, but the cost to repair it. As the saying goes in the auto industry, "they all break," it doesn't matter what brand of vehicle you drive, so why not be prepared?
The Ins and Outs of Collector Car Insurance
We're going to let you in on a little secret that's especially good news if you own a classic/collectible car. The potential for you to acquire dirt-cheap insurance that's also very comprehensive is now greater than ever.
The Secret Warranty: (AKA) After Warranty Assistance (AWA)
Certainly, many of us have been frustrated with the thought of having to pay for a part that, had it failed a little sooner, would have been covered under warranty. Well, think again, because you may have a lucky penny in your pocket that you didn't know about. You may be eligible for a little known program called after warranty assistance.
How Auto Insurance Companies Total Your Vehicle After You Total Your Vehicle
A car is considered totaled when the cost to repair the damage exceeds a certain percentage of the total value of the vehicle itself.
How Much Auto Insurance Do You Really Need?
Perhaps you have a perfectly valid reason for not having auto insurance coverage, although we personally can't think of any.
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