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If you buy life insurance in the US why is it illegal for companies/brokers to give rebates(legal in Ireland)?

But doesn't not allowing rebates mean the free market system is being corrupted? I mean, isn't it like telling supermarkets they can't have sales because another supermarket or shop may not be able to compete? Personally I'm a Socialist anyway, lol, but looking at it from a capitalist perspective that is simply government interference. Those who can provide the consumer with the best price will survive, those who cannot, well, will not. No rebates while good for the broker or insurance firm is bad for the consumer. Just as no supermarket sales would also be bad bad for the consumer. Yet, we have supermarket sales but don't apply the same logic to the financial products sector. Odd. Thanks.

   








What is better---selling Real Estate or selling Insurance?
What are the best Travel insurance for electronics?
Does anyone know of any unemployment insurance companies with good and affordable unemployment insurance?
Is there a auto insurance i can get for a low cost?
What are the advantages/disadvantages of Life Insurance?
Cheap car insurance for a non owner vehicle college student?
How much would (teen driver) insurance cost?
Can I drive my car while waiting to get my tags and insurance?
Is the 2005 Honda Accord EX Coupe a good first car for a teenager?
Who has the cheapist insurance. for min.coverage?
Insurance on mustang?
Where to buy cheap auto insurance?
How much will your auto insurance raise for your first ..ticket with State Farm in Ohio?
Cheapest Auto Insurance for a young driver?
How much does flood insurance cost?
Car insurance 18 year old female in London HELP?
I'm going to get my drivers soon what would be a cute little car make???
Moped/ motorcycle insurance in washington?
Looking for insurance to cover me?
I gave my keys to a friend who was drunk, he wrecked my car will my insurance have to cover this or will his?
Would i be to pay for car insurance?
How much would it cost to give birth without insurance?
Cheapest car and insurance for 18 year old?
Life and Health Insurance Exam- I have taken it like 5 times and not been able to pass it?
Do i need to have insurance if i don't use a car?
How to calculate age of vehicle for depreciation in insurance claim?
Car Insurance Question (sorry I know nothing about cars...)?
Why refused car insurance because of one criminal offence?
Young driver insurance in the UK?
How long will my accident affect my insurance premiums?
Insurance cost for Mustangs?
Range rover sport insurance?
If I have my license but do not own a car do I need car insurance?
If I have my license but do not own a car do I need car insurance?
What Insurance Provider's are the best and how do you rate them?
Can you start work as soon as you receive your national insurance number at 15?
Is there anyway to get around expensive insurance?
Should I get full coverage on my cavalier (Car insurance)?
Where can I find Auto Insurance with High points on My License?
Insurance on g35 coupe?
Car insurance for new car....?
Good Dental Insurance - help?
How much money does it cost for insurance if you're a surgeon?
How much does Permit insurance cost for age of 16?..?
Car insurance?
Can a 17 year old get their own medical coverage in California?
I pay $76.25 a month for my health care, Liberals explain how you will make this cheaper...errr...affordable?
Which costs more - car or health insurance and which gives more bang for the buck?
Car insurance - will it change from CA to NJ rate?
Im 16 and pregnant with no insurance hellppp !!!?
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Do you need car insurance to drive with a permit?
Do I need car insurance with my drivers permit? I'm 17 and doing have my license yet but I have my permit. I don't know what the law is for Wisconsin. Am I covered as long as the owner of the vehicle is in passenger seat?


What kinds of things can give you lower auto insurance?
I'm planning to buy a car in a couple months, what types of things should I look for to keep insurance as cheap as possible? I've heard two-door costs more on insurance than four-door, is that true? Does it matter if it's automative or manual? (I can drive both, so doesn't matter to me). Any other tips? Thanks!"


Need phone number of government of canada unemployment insurance-direct assistance?
Need phone number of government of canada unemployment insurance-direct assistance?


Allstate auto insurance/full coverage - rental car?
Does anyone know if Allstate will cover me in a rental car? I have a full coverage policy on my car at the moment. Just wondering if I travel and rent a car would I still be covered?


Whole life insurance question?
Hey all....well I'm studying for my life insurance agent exam and I have a question. Well, if a person takes out a whole life policy, then when they die their beneficiaries won't receive the cash value along with the death benefit, right? So, why would anyone want a whole life policy instead of a universal life that pays both cash value and death benefits to the beneficiary?"


Who are good for cheap insurance without any no claims?
previous vehicle was mobility and insurance was not in my name so I have no no claims


"I have a 2003 GMC Yukon XL and on my dash it says battery is not charging, what does that mean?"
I have a 2003 GMC Yukon XL and on my dash it says battery is not charging, what does that mean?"


Does my insurance background disappear when i cancel my insurance premium?
What i mean is you know how some insurance companies give you a little discount if you havent gotten into an accident or received any tickets or any sort for a year? Well say After one year you cancel your insurance for about 7 months, and then you want to get re-insured, would that discount still be available? Or canceling the insurance would mean your background is gone? I plan on leaving for basic training for the Army and ill be gone for 7 months. Ive been driving since i was 17 and almost have a year in clean record and wouldnt mind the good drivers discount?"


Teen insurance for cars/driving?
I'm not allowed to learn how to drive till I'm 18 but I was wondering about all the costs?Like how much a cheap car would be, how much insurance I'd need/cost, and how much is it to take driver's ed? If I left anything out, please tell me.Help?!"


Oh help!! I have 14 rescued kitties in my house!! Is there any insurance that covers/gives discount/has group plan insurance?
Oh help!! I have 14 rescued kitties in my house!! Is there any insurance that covers/gives discount/has group plan insurance?


How much Would car Insurance Be for me If Im 18 in California?
And have a 08 or 09 Honda Civic brand new(going to be buying a car) And going to college(since I hear most insurance Companies discount kids under 20 who are going to college) Is it really expensive? Also I hear its lower then before since economy is down.


'ensure' vs. 'insure' - meaning and correct usage?
Is there any difference between these words?


Where do I find Cheap Car Insurance When I have Epilepsy?
UK I'm 19, and I haven't had a fit since I was 16 (I believe I've done the teenage growing out of it"")"


What can I do if an auto insurance company doesn't want to pay for my car damages?
I recently got into a car accident, not my fault. So I filed a claim under the at fault person's insurance. It's been already two months and I haven't heard anything from the claim representative, and when I call him, he won't answer the phone. Is there any legal matter I can take?"


Can I cancel car insurance before expiration date?
I got car insurance and paid a fee but the expiration date says it ends in one year, I paid for 1 month and now I need to get insurance from another company. Do I cancel the insurance I have now? if I dont will they charge me every month? Or should I just forget about it and let the ppl cancel me off."


If you buy life insurance in the US why is it illegal for companies/brokers to give rebates(legal in Ireland)?
But doesn't not allowing rebates mean the free market system is being corrupted? I mean, isn't it like telling supermarkets they can't have sales because another supermarket or shop may not be able to compete? Personally I'm a Socialist anyway, lol, but looking at it from a capitalist perspective that is simply government interference. Those who can provide the consumer with the best price will survive, those who cannot, well, will not. No rebates while good for the broker or insurance firm is bad for the consumer. Just as no supermarket sales would also be bad bad for the consumer. Yet, we have supermarket sales but don't apply the same logic to the financial products sector. Odd. Thanks.


Am I responsible for an accident if a car isn't registered in my name and insured in someone else'sname?
Am I responsible for an accident if a car isn't registered in my name and insured in someone else'sname?


What is auto insurance?
what is auto insurance? and.. Auto Insurance Homeowners Insurance Health Insurance Renters Insurance Life Insurance can someone explain these to me?"


How much more will the insurance go up? From Ford Ranger to Ford Mustang.?
I saw my dad right a check for my ranger to the insurance place for $75.. im about to get a 2003 mustang. How much will it cost for that on estimate just liability and it'll be on my parents insurance? Im 16 year old male with a 3.0 gpa. I have my own job too.


What is the cost of insurance for a 2006 Corvette C6?
I make 60K a year and have no expenses other than paying $500 a month for rent. A corvette I wanted was priced $450 a month. How expensive will the insurance cost for a 22 year old? I would prefer answers from someone who currently owns one or knows an estimate first hand.


How much does does watercraft rental insurance cost?
I want to start a watercraft rental company, but I want to know how much insurance costs are going to be before I start it. If there are any companys out there who already have a watercraft rental business, or any agents that can answer my question that would be great. I plan on having about 4 or 5 jet ski's, 2 jet boats, 1 ski boat, 2 jon boats, 2 sail boats 1 pontoon boat, and 5 canoes, and 5 kayaks. So if anyone can help with this please let me know, thanks!"


Owning a allstate insurance agency ????
i was thinking about starting a allstate insurance agency but i want to know if there's any money in it does anyone know how hard allstate is to get into and do you need a college degree ???? thanks


Health insurance for business owners?
I have been wanting to start my own business for quite some time. My only reservation: I'm a single young woman, who is afraid to pay for my own health insurance after having the luxury of my job paying it. Any tips on finding pretty good independent insurance? I don't want to bargain hunt here, I want good coverage, but I also don't want to break the bank! Any business owners advice would be greatly appreciated!"


US Citizens/California residents: what is the best health insurance provider?
I am looking for a new provider. What do you recommend? It would need to cover only my husband and I. Thanks!


Will my car insurance know details about my ticket?
Will they know the time, place, and date of the ticket ? I'm sure they will be aware of the ticket I got but will they know specific details ?"


What company offers the best cheapest car insurance for a 17 year old girl?
I'm looking to buy a car soon and I know the car inserence is going to be extremely expensive either way but like anybody else I wanna get the best deal I can. Info that might help: I'm seventeen, a girl, have never been in an car accident, I don't don't drink alcohol, and have a 3.0 GPA(don't some companies give discounts for a good GPA?)"


Termination Car Insurance Policy?
Hi folks, I need to cancel my current car insurance policy. Do i have to write a termination letter to notice the insurance company, even if i already call them? Or do i just need to call and let them know that i wanna terminate? Does anyone have the sample letter about how to write a termination letter. Any help will be appreciate :)."


Car Insurance? Do i have to pay?
I'm going to try and make this short. Going to work, its cold and raining, got into an accident. One car ahead stopped abruptly causing 2 cars ahead of me to do the same. The car in front of me swerved to the left. I couldn't swerve left or right(traffic on the right)so I hit the car in front of me's bumper. My headlight got busted out. Bad part.....I didn't have insurance( I do now) now the car I hit was not the drivers car, someone else was driving. No other cars were damaged. Now I know I will pay a fine for being uninsured and pay for my damages. Do I have to pay for the other drivers as well? Technically it wasn't my fault but it would be put on me for no insurance. Is the other driver not liable"


Life Insurance form help for school?
I need the actual end result.... not the questionniare to fill out to get it...thanks


Does a 15 year old with his instruction permit need car insurance?
Does a 15 year old with his instruction permit need car insurance?


Insurance in USA for people above 45 and below 60?
Hello, My parent just moved to USA (NY) a few months back and my father works at a grocery store. My parents do not have health insurance and I want to get them medical insurance somehow, something that is affordable since my father's job does not offer any health coverage. I am there only daughter and I asked my employer if I can add my parents to the my insurance policy but he said that will not be possible. My dad has been searching for a job which offers medical coverage but unfortunately it is a tuff time to find a job. My mother is suffering from Sciatica pain she went to one of the walk in clinics and got the medicine and ended up paying 200$ which did not do any good. Any suggestions how I can resolve this issue?"


If you buy life insurance in the US why is it illegal for companies/brokers to give rebates(legal in Ireland)?
But doesn't not allowing rebates mean the free market system is being corrupted? I mean, isn't it like telling supermarkets they can't have sales because another supermarket or shop may not be able to compete? Personally I'm a Socialist anyway, lol, but looking at it from a capitalist perspective that is simply government interference. Those who can provide the consumer with the best price will survive, those who cannot, well, will not. No rebates while good for the broker or insurance firm is bad for the consumer. Just as no supermarket sales would also be bad bad for the consumer. Yet, we have supermarket sales but don't apply the same logic to the financial products sector. Odd. Thanks.


How much does it cost to add a teenager to a car insurance policy?
Teen in question has a 4.3ish GPA and is involved in many extracurriculars.


Affordable car insurance?
Hi; I recently bought a 2002 Pontiac Grand Am from a used car dealership and need to find some insurance on the cheap side for it. What I'm really looking for is something that simply makes the car legal, as I can't really afford anything over $40. I'm 23 and living in Harrisburg Pennsylvania so any insurance you guys know of that fall into my parameters would be great; really need this car for work."


NYC car insurance ? How much would it cost ?
My dad been driving for many years now, so his car insurance is crazy good he pays about 150 a month for insurance for 2 cars which is 2014 bmws. Now I'm 18 and I'm getting a license very soon, and i can't afford to pay like 500 month to pay my car insurance, so i was wondering, guess his insurance is great do you think it would be a lot cheaper to put my car under his name"


"Do I need auto insurance to get my Drivers License? Also i reside in Charlotte, North Carolina.?"
Do I need auto insurance to get my Drivers License? Also i reside in Charlotte, North Carolina.?"


Insurance help please?
got hit from behind by a driver who has insurance, i notified my insurance what happens next ? will my car get repaired by his company or mine ? and how does a deductible work ? Ive never been in an accident so i am clueless on this,,,,,and how do they fix your car ? do they tell you where to go to repair it ? or just give you the money ? and how do you determine how much ? sorry for being uninformed completely !!!! thanks for your knowledge"


Teen car insurance (I NEED HELP KNOW!!!)?
I'm 16 year old and i want to get an car insurance for on my own policy separate from my parent how much would it cost if my car was a 2005 Ford Mustand Gt and i was leasing it out.


Does school require health insurance?
I live in California, USA and my brother and I don't have health insurance. We are in middle and high school(public school). What are the disadvantages of not having health insurance?"


Need clarifying with term insurance
My mom's term insurance says 80 years on top of the form. Does that mean the term insurance is valid for 80 yrs or the age of my mom? If it's her age, will the term insurance then be invalid and useless or can she upgrade or continue on, incase she lives past 80 yrs old? thanks"


Liability Insurance?
I only have liability insurance and I was told by a friend they don't cover accidents. even if its not your fault. now that sounds like b.s I was involved in a wreck today and it was NOT my fault. what do i get. and also what other benefits"" do you get with insurances. not benefits but like. what willt hey cover or not cover"""


Does Progressive raise your insurance rates for no reason?
I got a good quote from them online, but the main complaint I have heard is that they raise people's insurance for no reason. They got good initial quotes, but a couple months later, they raise them. Anybody know anything about that?"


Questions about insurance in NJ?
I just got my probationary license in NJ, and have a couple of questions about insurance. My parents have put me on their insurance plan and today i was given two POI cards-- one for each of their cars. Now, the problem is that I mostly plan to drive my grandmother's car. She lives with us and is getting to the point where she does not drive much anymore. She was told by her insurance company that i do not have to be put on her plan because we live in the same house, but i'm just curious how i would go about proving that i am insured if i ever got into an accident in her car. Can i just hold on to a copy of my POI from one of my parent's two card (in my wallet) to show a police officer, or do I need something specifically for that car? Thank you for the help :)"


Can I purchase BCBS group health insurance in the state of TEXAS?
(The state of Texas part is key). My husband is self employed, the owner of a small consulting business. We will be moving to Texas very soon. Where we live currently, we have BCBS group health insurance. We would like to have BCBS Group health insurance in Texas, too, but I am not finding it. We do not want small business owner health insurance because we get a better rate with group insurance. Please do not reply with spam. If you are an agent, that is fine, but please keep your answer relevant to my specifications. Thank you for your help!"


UK- Can you help me find cheaper car insurance?
I currently own classic mini and after 6 months of driving it i want something more reliable. I didn't earn any no claims bonus on the mini as it was on a classic car policy, which I paid 900 a year third party, fire and theft. I want to get a 1.3 toyota yaris but cheapest insurance I have found is 5500! I will be the main driver of it and no i will not front it (go as named when im actually main driver). Which companies are best for young people. I don't want to pay more than around 2000 a year on the insurance. I know there are many factors that affect insurance but I'm looking for companies with good deals/lowest premiums and/or general tips to reducing the premiums. I live in the UK by the way."


"Bachelors, how much does your Health insurance cost you?"
Bachelors, how much does your Health insurance cost you? I dont care if you have it with your employer thats not what Im asking. How much does it cost you independently per month if your employment doesnt have health ensurence? Im a healthy 28 year old male and I think I need to get health insurance myself without an employer."


Vehicle vs Home Insurance?
Why is Vevicle insurance mandatory while home insurance is not?


If you buy life insurance in the US why is it illegal for companies/brokers to give rebates(legal in Ireland)?
But doesn't not allowing rebates mean the free market system is being corrupted? I mean, isn't it like telling supermarkets they can't have sales because another supermarket or shop may not be able to compete? Personally I'm a Socialist anyway, lol, but looking at it from a capitalist perspective that is simply government interference. Those who can provide the consumer with the best price will survive, those who cannot, well, will not. No rebates while good for the broker or insurance firm is bad for the consumer. Just as no supermarket sales would also be bad bad for the consumer. Yet, we have supermarket sales but don't apply the same logic to the financial products sector. Odd. Thanks.