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RELATED QUESTIONS:

What is a affordable health insurance that covers DENTAL?

or at least some of the cost?

Decent and Cheap Health Insurance Plans for International Students in the US?

I will be studying my Master in the Boston area, this September. The grad-school health insurance is a little too expensive to me. What would be some of the decent and affordable health insurance companies and plans?

About car insurance what will happen?

okay so a few days ago i was driving my breaks dident stop in time it was very slow and i wasent going that fast at all my breaks dident stop in time and i left a very very lil scrab on a guys car and he said if i cant get 220 dollars by tomorow he will call my moms car insurance will that make the price higher?

New Insurance Extension?

If the companies extend insurance to young adults up to age 26, what happens if they get married? Are you automatically removed from your parents insurance when you get married?

How do young teens without insurance afford child birth?

I am just curious. My old ex GF had 3 kids before age 21. One of which ended up needed urgent care after birth and died in the hospital a few days later. So the hospital stays were definitely not cheap. She has no insurance, no parents have insurance either and arent in her life at all. I am curious as to how she ended up paying for all this? My guess is that she is in serious credit card debt for all this but I wanted to know how this is possible? Any opinions?

I got rear-ended and my car insurance was cancelled a month ago, what's going to happen?

I live in Oregon. I've been faithful with car insurance for about 4 years now, full comp and coverage. My auto-magic payment did not go through one month and my insurance was cancelled. An insured driver hit me, police cited him at fault. What is going to happen to me, my license and vehicle. The police didn't take my car or cite me for no insurance after knowing mine was cancelled. What will the DMV say and what should I do to save my butt?

Do rich people need insurance?

I was just wondering..if they have so much money....do they really need insurance?

Non-owners SR-22 insurance?

I know it varies vastly by region and situation, but I need to get non-owners SR-22 insurance (I don't own a car, but I do need to drive occasionally). I thought I had read somewhere that it's not too expensive, but I can't seem to find any sort of information on it. If it helps, I'm in Wisconsin. I can provide more info if people need it to help. (I'm not looking for a specific quote, just what sort of range I should expect and how much of a dent this'll make in my budget)

How can I get cheaper car insurance?

I live in Toronto, but my address on my liscence is in a smaller town about an hour out of the city. The car that I have is registered on my husbands Toronto lisence. I want to buy insurance using my out of the city address so it will be cheaper. Would I be able to do this even though I technically live in Toronto?

Help!!!! changing car insurance?

I called another company and had a quote with them and they offering me a way better price than my current insurance company... I wanna make a change.. what do I do? Do I have to call up the current insurance company and cancel the policy?

Can i drive my moms car without my own insurance?

My mom has car insurance and everything, but i'm just wondering if i could like drive her car to the gym or something without adding me to her policy? I heard its as long as the car is insured right? I live in california and i do have a valid drivers license and i do live in the household.

No claims discount on car insurance?

I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy. I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?

Where can i get the cheapest car insurance and only 3rd party i am aged 18?

Car Insurance?

How much does a demerit point affect the insurance in premium outflow? I mean if I get a point how much more would I pay in insurance per month? Also which carrier is the best for point heavy drivers? Thank you

What is the best cheap car insurance for a 19 year old?

need cheap good car insurance

Can a convicted felon obtain a licence to sell insurance?

I am a 33 yr old female in Texas with a federal coviction. Can I obtain an insurance license to start my own business? I have been selling insurance for the past 3 years and I would like to open my own franchise. Is it possible, if so where/how can I start?

What's the cheapest a new driver could pay for car insurance (NY)?

I wanna buy a car I just passed my road test I want toi get a car but I know insurance is going to be high I'm from new york... Does anyone know how much ill pay around and does anyone have any tips on who would be the cheapest... Thanks

Why would young people refuse to sign up for inexpensive health insurance?

Don't they know they will soon be older people in need of affordable health care? Or that community rated affordable insurance depends on a high rate of participation? Why would they want to subvert a system they will soon depend on?

What is an affordable life insurance for a cigarette smoker?

I'm 17 and taking lessons shortly but don't know how to get cheap car insurance?

Should I add to my insurance?

I have full coverage insurance on my car that my bank still owns. My brother occasionally drives it. He does have a license but he doesn't own a car. Should I add him to my insurance policy or will my full coverage cover him if he gets into an accident?

Where can I find a reputable health insurance broker for Missouri residents looking for individual coverage?

My insurance with my former employer ends May 31 2012 and I need individual coverage as of 6/1/12 and need a reputable broker who can help me negotiate an affordable plan. Suggestions? I've been to individual websites like UHC, Blue Cross etc with outrageous quotes. I'm healthy and don't smoke.

Do you have affordable auto insurance?

If not, it may be time to switch to Safe Auto.

How much would insurance cost me?

Hi im 16 and an about a week im going to get my car the honda s2000. my parents wanted me to look around for insurance under there name? you guys know any cheap insurance companys? and how much do u think it would cost me a month?

What happens if i get hit by a car and i dont have insurance my car was parked i didnt drive it?

i was parked and a car backed up to park and had a mecahnical problem hit my front bumper and literaly dragged it to the sidewalk. i dont have insurance i always left my car parked ...show more

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Auto Insurance, Please Help!?

What are good coverage amounts for Bodily Injury, Property Damage, Medical Payments, Uninsured Motorist and Under-insured Motorist for auto insurance? I just want to make sure i have enough coverage for my insurance.

Cheap place to get car insurance?

Im 17 with my provisional licence and im getting insured onto my car but want to know where is cheapest for car insurance and i live in northern ireland

Does anyone have any personal experience with Transamerica Life Insurance? Positive or Negative?

Life Insurance Companies

Do various driving school programs give different types of certificates that affect your insurance?

I am a 20 year old female first time driver living in Colorado, and I'm debating what program to go with for driving school. The completely online one, the half online half classroom, or the full classroom. I want to take which ever one will give me the best insurance rate.

How much is car insurance for a 16 year old girl and boy who live in new jersey?

how much is car insurance for a 16 year old boy and girl who live in new jersey? [for one year] if your in -geico- & -liberty mutual- ?? someone please help

Who is the Blonde looking for better insurance rates in the progressive insurance commercial.?

She works alongside Stephanie Courtney in the progressive insurance company commercials.

Texas Automobile Insurance?

I got hit by someone else. Their insurance is not providing total cost up front for a rental car while mine is in the shop. I was not at fault. The Insurance carrier is Farmer's Insurance. They said to pay the difference of the rental, and they would reimburse. My understanding by an insurance facilitator at my old company is that if the fault was not yours, then the insurance company has to accommodate you with full pay for the rental car for a comperable vehicle to the one that was damaged. Anyone have any knowledge of the law, and links where I can find out the info? Thank you in advance.

Insurance Industry?

I'm trying to find out more about insurance industry...i have to make a huge project out of it for Economics...I'm specializing in IT so i don't know much about Economics...do you guys know any sites where i can find out more about Insurance Industry...or like anything you can share about it. Thank you.

How much will the auto insurance be? ?

Ok so my dad wanted to get an 06 chevy Cobalt SS supercharged but is wondering how much it will cost... He is 53 years old has a good driving record, the car is Black and of course supercharged. He has dairyland auto insurance.. Is there anyway we can check online or can anybody give me estimates? Thanks

Car insurance wrong information coverage upon car purchase..?

i bought a new truck, i am a first time car buyer and got the independent insurance agent the dealer had.... the agent told me that he was informed by the insurance agent that i will have a one (1) year coverage for the auto insurance as well as the amount of my monthly premium.. when i got the policy i was shocked to find out i only got six months coverage for the insurance and my monthly premium increased... they got PROGRESSIVE as the insurance company. i have already paid the required first six months (according to the agent) insurance premium and have to pay monthly for the remaining 6 months... which is not the case when i got my policy... is there a way how to handle, change this car insurance that i got? if not how could i send any complain to certain authorities/agencies for this kind of activities? any help is appreciated

I just got a new car and was wondering what is the cheapest insurance?

I just got a new car and was wondering what is the cheapest insurance? I need some cheap Insurance that won't charge alot besides USAA is there anyone else out there that will give me a good price I am currently 20 years old and I need a good insurance company that wil not charge alot besides USAA I have a dodge stratus 2004 it's a V6 it's an SE it's a 4 door and 2.7 liters it's the biggest engine you can get with a stratus anyways if any of you could help me out that would be great thanks.

How can I get an inexpensive Health Insurance while having no job and on disability?

I am on a workman's comp. claim which is temporary disability, I am not able to return to work for another 6-12 months. I am getting married in August and eventually would like to have children in the next year. Who will give me health insurance at a rate I can afford, and will be able to cover pregnancy in the months to come after we get married? Thanks for your help!

Does anyone know what people are getting on insurance costs for a b7 audi rs4?

just some average price so i could get an idea of how much it might cost....thanks.

How much should car insurance pay for breaking your back in accident?

boyfriend got ina car crash. he was in the back seast. driver didnt see stop sign and tboned anothe car. he has a fractured lombar 2 and wont be able to work for a while now... how much should the liability pay? they only want to pay about 3 thousand or so..

I want a 2005 mustang for my fist car, how much would the insurance be ($prices?) I have state farm insurance?

I really want a 2005 Ford Mustang (NOT a GT) for my fist car. Please give prices of how much the insurance would be if I had state farm insurance. Thank You, and please give me good prices so my dad will get me a mustang!!!

What car is cheapest to insure?

I'm looking for a cheap car what is kinda cheap to insure kinda in the insurance group 1 i'm looking to spend about 700-1000

Who has the Cheapest NJ Car Insurance? Home owners insurance? Life Etc?

How can I get health insurance?

Hi! So my situation is a little complicated......I am twenty and a full time college student living at home. Both my parents are older and on medicare which does not cover me. I only work part time so I really cant even afford to pay for insurance and my college offers an insurance plan but it's really crappy. I really need to find some type of health insurance that is affordable. Not being able to go to the doctor or dentist is not fun. Any advice please?

Can any body tell me what is the lowest online car insurance company?

i have an old car and sometimes i use it but i think i pay too much to insure it $55 a month and it is just liablity insurance and i am looking for an online insurance company that can give me a very low rate

Need to know where to quote car insurance!?

I have a teenager and would like to know what website I can use to find insurance quotes for him without giving personal information like my address and name etc. and a car type (he doesn't have a car!). I don't want to call my insurance place or give personal info because I really don't want my insurance premium to go up! Thanks

Should I cancel my car insurance?

I got into an accident 1 month ago and the insurance company of the person who hit me is handling my claim. I don't have coverage for my car so my insurance company is not really doing anything. So should I just cancel my insurance because I am not using my car anyways, and most likely my car will be a write-off because the damage seems irreparable or if it is, the repairs would cost more than the car itself. What do you guys thinks? Thanks for your time.

Expensive Car Insurance at age 19 wtf?

I bought a car for less than 1500 and the quotes i keep getting are freaking expensive wth, is there a cheap insurance that you guys can recommend. I have a vw golf 2001

Vehicle damaged..have ? about insurance?

A tree fell on my vehicle during Hurricane Ike. My husband thinks there may be at least $10000 worth of damage to it. I looked it up on kelly blue book and its only worth approx 9000.00. I tried trading it in a few weeks ago and they only wanted to give me $5000, I'm glad I didn't take that one. I purchased the GAP insurance thru the dealership. Do you think Allstate will just total it and let the GAP insurance pay the balance of my loan. I'm really really upside down. It really looks cosmetic to me but there are things hanging underneath it and it is very hard to drive. I think it would be cheaper for the insurance company to total it and let GAP take the rest. How does that work?

Car insurance question.?

Basically, I am hoping to pass my test this October. I am 20, and am looking to be insured on my dads car. He has a 7 seater Mitsubishi Spacewagon. It is now worth about 9,000. I was wondering if anyone knew ROUGHLY how much insurance may cost? Would it be cheaper to get my own small car and insure it myself rather than being a second driver on a more expensive car? Thank you!!!!

What insurances offer cheaper policies?

I'm looking into some automobile insurance. I would like to know about some affordable insurances. Thank you for your help. Have a great day!

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APPROXIMATELY, how high would insurance be on a 16 year old male driver with a manual Evo X as a first car?

I just turned 16 and i am about to get my license.I just want an estimate like 200-300 or 300-400 or 400-500, etc. My brother is 18 and currently has an Evo and is paying ~ 500 a month for his insurance but has a terrible driving record. Totaled his car and another persons (completely his fault) speeding tickets, unsafe turn ticket. and a bunch of parking tickets. And please dont give me an answer like youre gonna kill urself or evo is too fast for a first car and too hard to learn stick in an evo because the past 8 months i have been driving my brothers STICK Evo quite alot and have absolutely no problem driving it.

Health insurance providers in the state of ohio?

i am trying to get health insurance quotes from as many companies as i can in the state of ohio. so far i have came up with: anthem aetna united healthcare humana anyone that i am missing? thanks

Will I get my parent's insurance after age 18?

I plan on taking a year off of school when I graduate high school. When I turn 18 during that year, because I am not a full time student, will I get taken off my parents health care?

How much would it cost for insurance for a 17 year old male with a jeep?

Its a 1998 cherokee sport and we live in arknansas. The jeep is a dark green color.

Car insurance question?

Can I switch insurance agents within the same company if the insurance plan I have is still in my dad's name? I'm the one making payments now, and I need an agent that lives closer to me...also, the car title isn't in my name yet- does that matter when switching agents?

How much does car insurance cost for a 18 year old?

For a mustang GT 2012? estimate please thank you :)!!

Do you think my car insurance would go up?

I am 18 years old. If my father were to buy me an Eclipse, do you think my car insurance would raise?

About getting a motorcycle license in CA..?

Hi,i have few questions about motorcycle: 1.If i already have a C license,do i still need to take the written test at DMV again? 2.Where can i go for the training lesson?? ( at San Francisco or bay area) 3.Which transmission i should learn first? 4.What are the brands of motorcycle other than harley davidson are popular in the US? 5. What is the approximate cost of the insurance?

Is there an insurance company that will insure you after you've not had any for almost a year?

A friend of my gf's couldn't afford it before but can now since she's gotten a better job and cannot find it anywhere. I'd appreciate it if you'd keep the smart *** answers to yourself. Serious replies only

What is a good low cost Automobile Insurance Company?

No Geico (they are very high)!

First time buyer buys a new car, how much was your interest RATE?

Maybe I mean insurance instead of interest, I'm not sure, I don't know that much. I've heard that first time buyers, when buying a car, had little to no interest simply because they've never bought before. Is this true? Please give examples.

Do you need car insurance in order to buy a car?

I just want to buy the vehicle for now until i am ready for the car insurance. How would I be able to transport it to my place and store it?

Insurance for expecting baby?

Where can I get free / low cost health insurance for my expecting baby? In louisville, Ky ???? Please help!!! Im 18.

GED and Health Insurance?

Hello I a question that needs to be answered. Im guessing I came to the right place? :D Alright so highschool is not working out for me and I plan to go to community college after anyhow. I have been contemplating dropping out and going to college for a while now... My parents agree with my choice but do not want me to step off there life insurance policy. I stay on it as long as I am going to school. So if I were to drop out how long do I have until I am off there policy. I am turning 17 in a few months and dont have a job...making life insurance quite the task on someone with no paycheck. My insurance is Aetna thanks in advance!

Term Insurance or General Insurance?

I am thinking of insuring a member of my family. What would be an ideal choice? Going for a term insurance plan or general insurance? 10 points to the best answer.

I am looking for an affordable DENTAL insurance...?

Okay.. so I am an 18 yr old college students.. who just so happens wants braces. My teeth aren't too bad but I just want braces so make my teeth look better. Since braces are very expensive I was thinking about maybe getting a dental insurance that will help me pay for my braces. Also, I want those braces that are either clear or that go inside your teeth and not outside (Not sure if its possible, but I've heard about em). What is the best plan and/or what type of insurance will work for me best. Anything helps..

Question about insurance?

im getting out on my parents insurance soon when i get a car, and they want me to buy a small truck which the insurance would be about $130 a month, and they dont want me getting a littlte car, about how much more would my insurance be on like a stock 93 del sol or something similar

Will I get dropped from my insurance?

Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!

How long do you have to report an accident to your insurance company?

Insurance Claims

Truck registration in different state health insurance?

I lived in california and drove a car my dad had under his name on the title. He died and i moved to montana with that same car. I have been on my step moms health insurance plan for some time. I am legally able to be on her plan as long as i list myself as being in the same household until age 26. I was wondering if i register that truck in my name if uncle sam can find out i moved and thus making my health insurance unusable. Should i just drop my step moms insurance and struggle to get my own? What are my options?

Pregnancy insurance. I might not be eligible for medicaid.?

does anyone knows about any low cost pregnancy insurance?

CALIFORNIA DRIVERS-Insurance question?

am about to test for my license tomorrow, and on the list of requirements, it says I need proof of insurance. That just means for the car I am using right? It's not like you can insure a person...My friend keeps telling me I need driver's insurance but that does not exist, am i right? I guess the question is: What needs to be insured?

Health Insurance Company?

What is the best health insurance company in United States?

Where can i get cheap fire & theft only car insurance.?

My car is currently off road at my parents place in their locked garage. All the insurance companies i have tried don't do just fire & theft which is what i need until i can drive again. Please help as i have had no insurance for a week already but i don't want to risk it.

Blue lake insurance address?

I need the addres to blue lake insurance or at least a direct telephone # to the address. The address used to be: 605 Coolidge Dr. ste 210 Folsom, CA 95630-4211 but they changed address and according to the mail they do not have a forwarding address. Does anyone have this insurance with the correct address and phone number?

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What's reasonable insurance quote for new driver (UK)?

Hi Everyone! I'm a new UK driver searching insurance quotes for my Ford escort (engine size 1.4). I'm thinking third party only for starters. What sort of ammounts should I consider to be reasonable offers? Also, must I pay the premium in one lump sum? P.S: I'm 23 years old... Cheers!

Where can i get a car insurance policy which lets me drive any car including hire cars anywhere?

i have a normal car insurance policy in the uk which allows me to drive my own car in europe. i want a policy which allows me to drive other cars anywhere in the world

How much on average does it cost to have a 16 year old A student on my insurance?

I have a daughter who is dying to drive (we'll be sharing my car) but I don't know if I can afford the insurance! If you have a similar daughter how much did your insurance go up? I tried all these free quote places, but something about the quotes seem off...did you have to pay $300 a month? How much was your insurance originally?

Can you get medical insurance on a motorcycle?

If I were to buy a bike could I get medical insurance on the bike that covered any injuries that I could get if I got hurt on the bike. Also how much do you think it would cost? Any web sites I could go too?

Motorcycle insurance for a 16 year old?

Hey guys im only 14 but out of curiosity I would love to know about how much a month insurance would be part time on a motorcycle for a 16 year old or 18 year old. Im looking at a yamaha r6. So give me some guesses or if you know for sure thats even better. Thanks

What are your thoughts on how insurance companies can put a price on life?

I'm not sure of the figure but my understanding is that insurance has a figure they use when ... say ... a plane crashes. Are all the lost lives worth the same?

Do pcv holders get cheaper car insurance?

What is the best Pregnancy Insurance Available to a already expecting Mom w/no health coverage at the moment?

Health Insurance for Pregnant Women!

What is the average insurance on a 1997 camaro with usaa?

17 Year old insurance on 1985 Ford Escort RS Turbo Series 1?

Im 16 years of age soon to be 17 and I am looking for a first car that would be of a classic sort. I hate all the usual Saxo's and Corsa's that all the other kids drive. My dad currently owns a Series 1 RS Turbo and were in the middle of restoring it. I looked into insurance as myself as a named driver and got quotes of 11k and that's way too much. Would the price be cheaper if i put myself as a second driver on my dads insurance? Im in desperate need of answers right now. If not then has anyone got any info on a Mk1 or Mk2 golf or even an Mk1 XR2 Fiesta. If all this classic insurance is too hard then has anyone out there got any ideas on what car I could get that has got cheap insurance, Looks good, Performs great and can be modded great. I don't want answers which involve astra's and clios's. More along the lines of newer better material. Thank you :)

How much do you pay for car insurance?

I pay $380 a month for my car insurance. more than anyone else i know. Just curious what everyone else pays Im a 20 year old male, single, living in California, have a 2002 bmw and a 1998 lexus, with 4 speeding tickets

Female car insurance companies?

does any1 know any good cheap female car insurers?

Does a veterinarian get life insuranced?

does a veterinarian get health insurance?

Non owner SR22 insurance for TEXAS, what is a cheap website?

I don't own a car so I don't know what to do... Help! Thanks

Can the government require us to buy insurance?

If the government requires us to buy insurance, cant they force us to buy anything they want? Couldnt they also forbid us to buy something they dont want us to buy? What happens if the insurance cost a million dollars and we don't want to buy it? We can no longer refuse to buy it. We are required to buy through the government. How does that empower the consumer?

What car would be the cheapest and most reliable?

Im a 17 year old guy. My parents are giving me $2000 for a down payment on my first car. We're going to a used car lot this weekend. They have 2 cars I want and 1 car my dad thinks I should get. The ones I want are an older 2 Door Tahoe, and a Chevy S10. The one my dad thinks I should get is a Honda civic. He says the Civic would have the cheapest insurance. But I play guitar, so it would be hard to lug around a big amp, guitar case, and pedal board. I want the Tahoe the most but I think its gonna be too much. What do you think?

65 Life Insurance vs. Term Life Insurance?

My wife and I currently have 65 life insurance which we pay about $130 per month for the two of us. After listening to her friend Suze Orman she wants to get rid of the 65 life and get term life insurance. 1st question is what do you think is better and 2nd is how easy is it to settle your current life insurance to cash out and if you stay with the same company can you roll your current $value into the new term life? Thanks

Can I take out a life insurance policy on my friend?

My friend somehow got my social security number off one of my pay stubs and memorized. Now when we get drunk he has a song that he's made including my SS #, this makes me very angry. I want to take out a life insurance policy on him to scare him, is this possible? I'm thinking maybe 100k policy (he's only 26 so it should be cheap), I think the sheer fact of him knowing if he dies I get rich will bother him more than it bothers me that he has my social. Is this legal, can I take out a life insurance policy on anyone I choose?

How Much Is Too Much For Car Insurance?

Hi, I am an 18 year old male living in Huddersfield and in full time education at college. I passed my driving test in September 2010 and now its December, i decided to get an update of quotes on different cars such as 1.0 corsa's, 1.2 clio's and so on, but i was curious so i decided to check on my dad's 2005 1.4 diesel toyota. It came as a bit of a shock to me but i got a quote for 2600, on my own name some of the quotes i was getting were far to high, the lowest was 6000. So my question to you is, do you think 2600 is a reasonable quote to be a second driver on my dads car? I turned 18 a month ago and have had my driving lesson for just over 3 months, my dad has had his for over 30 years and has around 30 years no claims bonus, so do you think it is a reasonable quote ?

Insurance info on changing them.?

my dad has a certain insurance and i want to switch to another insurance. what is involved switching to a new insurance because i found a nice new place but they don't take his current insurance. i really want to do move because this new place is great.

The best and cheapest car insurance?

When will a vandalism( to my vehicle) go off my record for insurance purposes???

About 2.5 years ago some kids used nylons and a hamburger wrapper in my gas tank to set my truck on fire. It was a brand new tahoe with dealer plates and it had to be deemed totaled due to damages. Now I am trying to change insurance and get quotes and even though I was not at fault and didn't even know these children it increases my premiums by about 600 every 6 months. Does anybody know when this will go off my record? I cant understand why I'm being held financially accountable for some delinquents behavior.

Can I drive my parent's car without auto insurance?

I am 22 , university student with G2 - 2006 , and G - 2008 license , Richmond Hill , Ontario , Canada can I drive my DAD car , his policy does not have my name . in case my name must be included , what are the suggested insurance companies ( probably need a cheap one ) because they might double his monthly payments

Driving without insurance?

I am a licensed driver and the car i drive is insured, but i never bought insurance. How much trouble will I get into if I get into an car accident? Oh and I am 18 and live in Minnesota

Health insurance for green card holders?

My father in law is a green card holder for 3 years and just turned 65. I don't think he's eligible for Medicaid but would he be eligible for medi-Cal benefits (he's a california resident)? Any recommendations on where to get reasonable insurance policy?

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