How does the surrender charge work when cancelling a universal life insurance policy?

I have a 250k policy that is 4 months old, it was purchased for me as a gift from family as an investment tool. I already have term life insurance and permanent coverage so I don't need this product. The surrender charge is $3750 but the cash value is 0 since the account is so new. Will the insurance company be able to bill me for the $3750, or is that only subtracted when there's money in the account? I would rather take the money going into this product and invest it elsewhere, but not if I have to pay $3750 to get out of this. Are there any other penalties that I should be aware of before considering this?

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Why is it mandatory to buy car insurance?

I understand if it's on a leased car but why on 100% paid off private cars? Mortgage companies make borrowers buy home insurance as a condition to get the Liam but once the mortgage is paid off you're free to not insure your property. Why is it legal for insurance companies to force all car owners to buy coverage? It's not constitutional no different than forcing them to buy health insurance.

I'm 17 and i'm planning to buy a 2 door, 2 seater car, what car is good looking and has the cheapest insurance

I'm 17 and i'm planning to buy a 2 door, 2 seater car, what car is good looking and has the cheapest insurance?

2003 Hummer H2 insurance cost? For 16 year old? 10 points!?

How much will the insurance cost for this car? This car is FREE for me because it's my dad's and he wants me to have it as my first car. It only has 60,000 miles on it for a almost 10 year old car. It is practically new with a tv inside and nice rims. How much will insurance be?

How much will my auto insurance rate go up after an acciedent?

i have lieability insurance and pay 55 a month

15; might be pregnant without insurance?

Okay yeah i know i asked this already but i didnt get enough answers. please if yu reading this answer me and NO HATEFUL COMMENTS. how much would it cost for a blodd test in florida? and would the teen clinic help me?

What is the best insurance company to insure an enagement ring?

I'm looking for a dependable insurer that will insure an engagement ring; not an add-on policy to a homeowner's or renter's insurance. Moreover, a company that will soley insure a piece of jewelry.

Would my health insurance cover for vision?

I currently have Aetna Health Insurance. On their insurance plan, they say they cover vision for free. However, when I was filling out my insurance plan, I forgot to check the box that said I wanted vision covered because it said it was free. Now when I went to get a prescription for glasses, the insurance company said they wouldn't cover it because I did not check the vision box. Would the company still have to cover it, because they said vision would be covered for free.

How much is insurance and a Aston Martin?

Why do all of my car insurance quotes start at 5,000?! (20 years old)?

Hey, hopefully you can help me. I have been looking at car insurance online (moneysupermarket.com) and I had 16 quotes come back to me from different providers, ranging from 5,550 - 9,860!? I have no health or sight problems, no convictions etc... I'm just a simple standard applicant. I am 21 years old in August, female and looking to insure a Ford KA 2000 1,3 living in west midlands. I really expected insurance to be around 1,500 maximum, am I filling in the application wrong?!

Baby insurance HELP!?

im getting ready to have a baby in two months and i still dont have insurance for him...i dont know how and what kind to get please help???

Do I need Car Insurance to get a Georgia Drivers License?

I'm 19 years old and Ive been ready for my driving test for a while now. I just need to know if I can take the driving test in Georgia with my mom's car. WITHOUT being on her insurance. And YES her car is insured. I just want to take my test, get my license, and worry about insurance and a car later.

If a male at the age of 20 started driving, would the cost of insurance be cheaper then it would for him at 16?

Was done for drink driving what car shall i buy when i get my liciece back for cheap insurance?

Insurance fronting ( making car insurance cheaper )?

If i'm not the owner of the vehicle ( my mum is ), yet im still insured on the policy as a named driver but im the main driver am i commiting insurance fronting. insurance fronting states that if you are the owner of the vehicle but only a named driver this is called insurance fronting, but im not the owner but a named driver does the same rules apply

Motorcycle insurance?

I am looking at buying a road bike to save money on gas. i am 21 years old and have a good driving history. how much do you pay for insurance? I live in Michigan? do i need insurance? does it matter the size engine for different price insurance?

How does the surrender charge work when cancelling a universal life insurance policy?

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