Comments on: Time To Refinance – But Not Your Home

By: pfadvice

pfadvice — Wed, 11 Jan 2006 03:29:18 +0000

Shopping around for better insurance is not “refinancing

By: LSD

LSD — Wed, 11 Jan 2006 03:23:22 +0000

Shopping around for better insurance is not “refinancing”. Do you want to refinance your internet connection as well?

Always a good idea to shop around.

By: hgstern

hgstern — Mon, 09 Jan 2006 18:25:07 +0000

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Good post, and well-written. I think you glossed over a few key points (no crime in that; don’t need a 15 page post) that one should keep in mind:

It’s true that, for a given risk (person), life insurance rates have come down substantially over the past few years. As THC notes, mortality plays a part, but it is not the only (or most important) reason. Having said that, though, it does not follow that *your* insurance will be cheaper now than before: underwriting has really stiffened up, and if you’re not the *ideal* height and weight, or you’ve got “a little cholesterol,” or you have a family history of cancer, you may be unpleasantly surprised.

It never hurts to shop around, of course, but be aware that the on-line quote marts will give you generic rates which don’t take most of these factors into account. And no matter *what* you do, don’t cancel your existing plan until the new one has been approved and you’ve had a chance to look it over.

Happy New Year!

By: AllThingsFinancial

AllThingsFinancial — Mon, 09 Jan 2006 05:38:26 +0000

Carnival of Personal Finance – Week 30

Hi and welcome to AllThingsFinancial’s presentation of week 30 of the Carnival of Personal Finance. We had 24 submissions for this carnival so there is a lot for you to check out. I hope you enjoy. Next week’s carnival will be held by m…

By: thc

thc — Sat, 07 Jan 2006 05:52:07 +0000

Life insurance premiums are cheaper, not due to competition, but because life expectancies are longer.