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	Financing Your Insurance Premium
		Premium financing is not an insurance policy; it is a means of financing the purchase of insurance.
		An insurance policy may be canceled by the insured, the insurance company (in certain circumstances), or the lender (for nonpayment of premium).
		If the insurance company or broker has not refunded the unearned premium to the lender, you are still responsible for the balance owed on the account.
	www.insurance.ca.gov /0100-consumers/0060-information-guides/0060-other-topics/financing-insur-premium.cfm (2289 words)

	HUD FHA Refunds and Distributive Shares for Homeowners
		Premium Refund: You may be eligible for a refund of a portion of the insurance premium if you:
		The owner(s) of the property at the time the insurance is terminated is entitled to any refund.
		IMPORTANT: The rules governing eligibility for premium refunds and distributive share payments are based on the financial status of the FHA insurance fund and are subject to change.
	www.hud.gov /offices/hsg/comp/refunds/fhafact.cfm (688 words)

	Motoring Costs : British Insurance Premium Index - The AA
		The index, which has been tracking car and home insurance premiums since 1994, shows that the average quoted premium for an annual comprehensive car insurance policy fell marginally, ending the quarter at £802, just £4 less than the all-time high of nearly £806 following the massive 4.35% increase during the last three months of 2006.
		Third party, fire and theft insurance premiums are also likely to continue their upward trend despite a slight fall over the past quarter.
		The 'Shoparound' premium is the average of the three lowest premiums quoted by the insurers in the market survey.
	www.theaa.com /services/insuranceandfinance/insuranceindex/?page=intro (886 words)

	When You Can't Pay Your Insurance Premium
		Note: Some policies are designed with flexible premiums, so that policyowners have the option to pay more or less than the recommended premium or to skip premiums from time to time.
		Even with these policies, however, policyowners should check with their agents before suspending premium payments for extended periods because there must be enough cash value to pay the monthly charges to prevent a policy lapse.
		Premiums are paid by using non-guaranteed policy values.
	www.newyorklife.com /cda/0,3254,11068,00.html (904 words)

	bizjournals: Health Insurance Premiums - Premium Health Care Insurance - Average Health Insurance Premium (Site not responding. Last check: 2007-10-16)
		Family health insurance premiums based on PPO – the type of policy that covers most workers increased from $9317 in the previous year to $10,217 in the present year.
		Approval by a case manager or insurance company representative (usually a nurse) for a person to be admitted to a hospital or in-patient facility, granted prior to the admittance.
		Short-term disability insurance coverage is designed to protect an individual's full or partial wages during a time of injury or illness (that is not work-related) that would prohibit the individual from working.
	www.bizjournals.com /resources/health-insurance-premiums.html (3477 words)

	bizjournals: Return of Premium Life Insurance - Return Of Premium Term Life Insurance (Site not responding. Last check: 2007-10-16)
		The premium is normally more than the actual cost of protection during the earlier years of the policy and less than the actual cost in the later years.
		A flexible premium life insurance policy under which the policyowner may change the death benefit from time to time (with satisfactory evidence of insurability for increases) and vary the amount or timing of premium payments.
		Premiums (less expense charges) are credited to a policy account from which mortality charges are deducted and to which interest is credited at rates, which may change from time to time.
	www.bizjournals.com /resources/return-of-premium-life-insurance.html (3899 words)

	[No title]
		Return Of Premium Term life insurance policies are state specific, and not all insurance companies offer term life insurance policies to residents of all states.
		Term life insurance policies provide a death benefit to beneficiaries during the term of the policy only, and term life insurance policies have no cash value.
		Cost of a term life insurance policy is mainly a function of gender, current health, age, tobacco use status, amount and period of coverage.
	www.returnofpremiumterminsurance.net (444 words)

	online premium insurance (Site not responding. Last check: 2007-10-16)
		With term life insurance rates or term life insurance quotes, we offer access to a Nationwide network of term life insurance agents to educate you before you buy life insurance and provide one to one service.
		Insurance is meant to give homeowners peace of mind, but an increasing number of policy holders are putting themselves at risk by neglecting to insure their home and contents adequately.
		This is the most secure form of insurance for the homeowner, as it literally means the home is guaranteed to be replaced, but the deal carries a degree of risk to the insurer.
	insurance-andmore.com /articles/150/online-premium-insurance.html (650 words)

	Insurance premium audit
		premium audit pilot program to enforce compliance with PBGC insurance premium insurance premium audit.
		The insurance company will do an audit at the end of the first year to insurance premium audit.
		The Commissioner of Insurance adopted Texas - Audit Premium and Retrospective.
	www.lookfinance.com /insurance-premium-audit.html (373 words)

	Car Insurance Quotes - Asking the right insurance questions will ensure you get the best car quote.
		Premiums differ depending on your location and whether you are a man or a woman.
		Insurance department may rank car insurance companies based on the amount of substantiated complaints the department received in comparison with the volume of premiums that company writes in the state.
		Another thing to consider is your insurance premium, which is influenced by where you live.
	www.carinsurance.vc (869 words)

	DRS: SN 94(13), 1994 Legislative Amendments Affecting the Insurance Premium Tax
		Sess.) §§ 5 and 6, the insurance premium tax rate is reduced from 2% to 1.75% on all net direct insurance premiums received on and after January 1, 1995 for domestic insurers, and for premiums written within Connecticut by nonresident and foreign insurers.
		Sess.) §4, effective January 1, 1994 the limit on the asset test is raised from $200 million to $250 million for insurance holding companies that are allowed a credit of the Corporation business tax against the insurance premiums tax.
		§38a-175, shall be subject to the insurance premium tax at the rate of 1.75%.
	www.ct.gov /drs/cwp/view.asp?A=1514&Q=268614 (478 words)

	life insurance premium & permanent life insurance Quotes (Site not responding. Last check: 2007-10-16)
		Our life insurance premium web presence is only new so we have not yet managed to supply lots of info, but what we have done so far is researched the very best life insurance premium sites on the net.
		Sometimes when youre confused on life insurance premium its quite difficult to sort the fineness from the bad advice.
		When we engineered this project we knew that we would be thrilled in providing you the greatest places on the net for life insurance premium, we believe we have achieved that.
	www.lifeinsuranceanswers.net /life-insurance-premium.php (612 words)

	JS-896: TREASURY ISSUES GUIDANCE ON INSURANCE PREMIUM EXCISE TAX (Site not responding. Last check: 2007-10-16)
		Treasury and the IRS today issued guidance regarding the federal excise tax on insurance and reinsurance premiums paid to foreign insurance companies with respect to the insurance of U.S. risks.
		Under these procedures, a foreign insurance company may choose to enter into a closing agreement with the IRS with respect to the excise tax.
		With this closing agreement and the required letter of credit in place, those making premium payments to the foreign insurance company generally will not be required to withhold excise tax from the premium payments.
	www.treas.gov /press/releases/js896.htm (189 words)

	Premium Finance - Life Insurance Premium Financing Program
		Loaned premiums and accumulated interest will be deducted from the death benfit with all the substantial remaining value given directly to your family.
		Another option is to hand over the policy to the lender as a full repayment of the premiums and interest, allowing one to walk away free of any debts.
		All loans in our Life Insurance Premium Finance Program are given by a publicly traded, state chartered bank that is a member of the FDIC.
	www.life-insurance-premium-finance.com (563 words)

	CHAPTER 48. INSURANCE PREMIUM FINANCING
		(2) "Insurance premium finance company" means a person engaged in the business of entering into premium finance agreements or otherwise financing the payment of insurance premiums.
		Further, if the default results in the cancellation of any insurance contract listed in the agreement, the agreement may provide for the payment by the insured of a cancellation charge equal to the difference between any delinquency charge imposed in respect to the installment in default as permitted hereinabove and the sum of $5.
		(a) No filing of the premium finance agreement shall be necessary to perfect the security interest of the premium finance company as against creditors, subsequent purchasers, pledgees and other such parties, their successors or assigns.
	delcode.delaware.gov /title18/c048/index.shtml (1441 words)

	Typical Auto Insurance Premium to Fall in 2007 Due to Anti-Fraud Efforts, Fewer Claims
		The average annual cost for auto insurance premiums nationwide for 2007 is estimated at $847 per policy, the first decrease since 1999.
		By looking at a potential policyholder's credit score, in conjunction with criteria such as their driving record and driving habits, insurers are able to match with greater precision than ever before the premium they charge in the context of the potential claims they may have to pay a policyholder, he noted.
		A premium is based in part on the car's sticker price, the cost to repair it, its overall safety record and the likelihood of theft.
	www.insurancejournal.com /news/national/2006/12/06/74757.htm (795 words)

	HSBC Insurance - Premium Lion Bond Fund
		This is an Insurance-Linked Fund whereby you are protected for 125% of the sum invested against death and total permanent disability.
		This means that you or your family have the immediate assurance of the 25% jump in value should the unforeseen happen.
		Under the current Singapore tax laws, proceeds of a personal life insurance policy are not subjected to income tax.
	www.insurance.hsbc.com.sg /insn/ilf/lionbond_fund.htm (715 words)

	Insurance Premium Tax Information
		For answers to questions related to gross premium tax filings, call toll-free at 1-877-308-9103, option 6, or (919) 715-0869.
		North Carolina levies several types of insurance premium tax upon insurers, both domestic and foreign, for the privilege of engaging in the business of providing insurance in this State.
		Insurers that pay gross premium tax are not subject to franchise or income taxes imposed by Articles 3 and 4, respectively, of Chapter 105 of the General Statutes.
	www.dor.state.nc.us /taxes/insurance (132 words)

	Texas Title Insurance Premium Rates Effective November 1, 2002 (Site not responding. Last check: 2007-10-16)
		No portion, split or percentage of the premium shall be paid either directly or indirectly for title insurance, title examination or closing the transaction to any person unless there shall have been timely compliance with Rule P-21 and P-22.
		As the loan which is the subject of the policy is disbursed, a fraction of the premium for the policy equal to the fraction of the loan then funded shall be paid and upon payment thereof the amount of the coverage of the Mortgagee Policy shall increase by the amount of such funding.
		The premium for the Owner Policy paid upon issuance thereof shall be the portion of the total premium allocable to the liability under the Owner Policy as shown in the liability paragraph prescribed by Rule P-8.a.(1).
	www.tdi.state.tx.us /company/titlem3a.html (1380 words)

	5 Quickest Ways To Lower Your Health Insurance Premium -- iSnare.com Articles
		Insurance plans with higher deductibles tend to have lower premiums.
		The premium varies to a great extent with the age of the person.
		These agents represent several insurance agencies and can guide you to pick the right kind of health insurance policy and then plan your premiums at an affordable rate.
	www.isnare.com /?aid=53503&ca=Finances (926 words)

	HSBC Insurance - Premium Payment Framework
		This Framework aims to improve efficiency in the collection of premiums for general insurance policies and minimises the possibility of claim disputes between insurers and customers.
		Intermediaries / insurers are to insert a condition in quotation slips and insurance policies that policies applied have not been in whole or part terminated by another insurer for non-payment of premium in the last 12 months.
		If the premium is paid after the premium payment warranty period, the cover may be reinstated as a new policy from the date of receipt of full premium payment to the original expiry date.
	www.insurance.hsbc.com.sg /insn/resource_library/issue_2.htm (426 words)

	SGLI Premium Rates, Servicemembers' and Veterans' Group Life Insurance (U.S. Department of Veterans Affairs)
		The current basic SGLI premium rate is 7 cents per $1000 of insurance.
		The new SGLI premium rate is 7 cents per month per $1,000 of coverage effective July 1, 2006.
		(The premium includes an additional $1.00 per month for Traumatic Injury Protection coverage (TSGLI), which is mandatory and added automatically.) Follow this link for answers to frequently asked questions about the SGLI rate increase.
	www.insurance.va.gov /sgliSite/SGLI/sgliPremiums.htm (127 words)

	FL Dept Rev - Tax Information Publication 2004 - TIP # 04B8-01
		When FLAHIGA refunds money to an insurer from a previous assessment, and the insurer has claimed credit against its insurance premium tax or corporate income tax, the insurer is required to pay back part of that refund to the Department of Revenue.
		The $200 that is due to the Department of Revenue is a repayment of the FLAHIGA credits that the insurer had already claimed in tax years 1997 through 2001 against its insurance premium tax or corporate income tax for the $40,000 that was refunded by FLAHIGA.
		The $4,500 that is due to the Department of Revenue is a repayment of the FLAHIGA credits that the insurer had already claimed in tax years 1999 through 2001 against its insurance premium tax or corporate income tax for the $30,000 that was refunded by FLAHIGA.
	www.myflorida.com /dor/tips/tip04b8-01.html (901 words)

	Factors That Affect Your Car Insurance Premium and How to Lower It
		Folks living in certain areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents.
		Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.
		He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance.
	www.ezinearticles.com /?id=102726 (854 words)

	Insurance Premium Finance
		The Texas Automobile Insurance Plan Association Financing Disclosure and Premium Finance Comparison Disclosure Form (form), which briefly explains payment options under installment and premium finance plans, is required to be used by all insurance premium finance companies subject to this chapter of the Administrative Code and the Insurance Code, Chapter 24.
		A comparison between the terms of financing the policy with an insurance premium finance company and the use of the payment plan available through TAIPA must be made.
		(c) The insurance premium finance company shall maintain copies of the Disclosure Forms as evidence to an examiner that disclosure of the TAIPA payment plan was made to the insured.
	www.tdi.state.tx.us /rules/2001/premium2.html (698 words)

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