NLIC.org

Naomi Said:

How to get quotes from insurance providers for a new comparison website?

We Answered:

You can buy an app to place on your site from services like CompuQuote, iPipeline or Norvax. I'm not sure if they'll let you wrap your own UI around the API, but you should call them to ask.

Glenn Said:

Looking to purchase life insurance, know very litle bout it, just know i want to be covered, where do i start

We Answered:

No life insurance is FDIC insured.
I would suggest you first find a independent broker. Try searching yellowpages.com for life insurance brokers in your area.

I would not use your auto and home agent they specialize in property and causality insurance and have a limited number of options they can sell you.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

If you get a good broker they will interview you about your needs and desires and help you through a fact finding to determine how much and what type of coverage you need.

If they suggest all of your coverage come in a whole life or cash value policy you should get a second opinion.
Most people really need a combination of term and cash value insurance.

Ralph Said:

How could i get car insurance comparison rate for teens ?

We Answered:

I recommend you this site where you can compare quotes so you can find the best option for you

http://Cheap-Car-Insurance-USA.info

Dwight Said:

What is the comparison between permanant life insurance and Roth IRA?

We Answered:

For one, life insurance is an insurance product where you manage your risk against financial devastation to your family in the event of your death. On the negative side, cash value life insurance are very expensive and you never truly own the cash value until you cancel the policy. You have no control on where you can allocate your premiums. Your life insurance is regulated by your state insurance laws.

Roth IRA is a retirement account which can be funded by mutual funds, cds, stocks, and/or bonds. You have complete control on where you want to allocate your investments. Investments are regulated by the SEC.

The only thing common between them two is that your savings grow tax-deferred. But in cash value life insurance, you will pay taxes only on the gains when you surrender the policy. In Roth IRAs, you do not pay taxes when you withdraw after age 59 1/2.

Norma Said:

comparison os life insurance co.in india on count of profit &loss, primium income policies etc?

We Answered:

Go to following site and download Journal. In this Journal you may find all the data.
http://www.irdaindia.org/

Benjamin Said:

i want to look for the current perfomance of icici prudential life insurance company?

We Answered:

Performance Summary as on 30th June '06
Scheme Performance
(1 year) Annualised
Returns
(Since
Inception) Inception
Date
(The first percentage is this years return. The second % is the annual return since it started. The date that follows is the inception date.)
Preserver * 6.03% 5.51% 17/May/04
Protector # 3.41% 8.14% 16/Nov/01
Balancer ## 15.90% 17.50% 16/Nov/01
Maximiser ^ 42.08% 32.81% 16/Nov/01
Pension Preserver * 5.99% 5.28% 17/May/04
Pension Protector # 3.41% 6.39% 31/May/02
Pension Balancer ## 16.63% 18.17% 31/May/02
Pension Maximiser ^ 42.07% 37.51% 31/May/02
InvestShield Cash # 4.40% 4.40% 04/Jan/05
InvestShield Life ** 14.42% 11.41% 04/Jan/05
InvestShield Pension ** 13.19% 10.96% 04/Jan/05

These funds have not been in effect long enough to give an accurate opinion. I like to look at 3 year, 5 year & 10 year results. You may want to look into other top ranked companies. Get quotes from other top ranked companies here:

http://www.insureme.com/landing.aspx?Ref…

Take care,
Ron @ InsureMe

Anita Said:

Why is it so hard to compare home/fire insurance rates?

We Answered:

Well, because not all insurance companies write in all states. And, if you're in Akron, have a 10 year old brick house with $200,000 cost to rebuild, the company that's probably going to be cheapest for you, would NOT be cheapest on a 50 year old frame house in Medina that costs $200,000 to rebuild.

The company that's cheaper for someone with a lower credit score, might not be cheaper for houses valued under $150,000.

Here are the rating factors, besides insurance limit, that influence pricing the most:

Claims history - both yours and the house
Protection class
Age of the house
Types of Updates
Construction Type of the house
Credit Score

ANY ONE of these factors, can skew the "best rate" from one company to another, or a third. Each company choose it's OWN "target market" - the kinds of houses they WANT to write, and then price their policies accordingly.

So, you CANNOT get an answer that's valid for everyone. Just like, what size jeans do I need? Just because one size fits YOU best, doesn't mean it will fit me AT ALL.

There is no short cut. To find the cheapest for you, you have to shop around. SOME state insurance websites, will give you a 'generic' price comparison - but those prices are subject to underwriting, and when you CALL for those prices, you'll likely find that they are for a condition that you DON'T have with your particular house.

And, FYI, all those online comparison websites, they harvest your personal information to sell to agents as leads. Even the auto/life ones. Their numbers aren't accurate, either.