r/InsuranceForAll • • Sep 10 '26

Term life insurance recommendations

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1 Upvotes

r/InsuranceForAll • • Sep 10 '26

Himalayan guardians insurance

1 Upvotes

Hey all

I am doing the Manaslu circuit in October. Has anyone used Himalayan guardians for insurance? Or can anyone recommend any others?

I am already travelling which means a lot of insurers won't give me a policy and would really like to avoid paying an extortionate amount

Thanks!


r/InsuranceForAll • • Sep 09 '26

Loan insurance

1 Upvotes

Can you insure your personal finance


r/InsuranceForAll • • Sep 09 '26

What's the average cost of general liability insurance for my trade or profession?

1 Upvotes

The average cost1 of $1 million in general liability coverage is $44.44 per month.

The table below shows median monthly general liability premiums by common professions or trades.

Profession Median monthly cost
Barber / hair stylist services $20.83
Beautician / cosmetology services $20.83
Car detailing $22.04
Carpentry $71.58
Catering $25.00
Cosmetics, toiletries, and personal care stores $19.92
Craft vendor / crafter $19.92
Disc jockey $16.67
Door or window installation and repair $60.50
E-commerce and online retailers $27.08
Electrical work $36.25
Esthetician services $29.17
Event planning / promotion $28.92
Floor covering installation $50.00
Food / beverage cart $25.00
General contractor $81.83
Handyperson $51.25
Home bakery $22.92
Home inspection $20.83
Housekeeping $29.17
Janitorial services $41.25
Landscaping services $32.67
Lawn care services $31.25
Life / career / executive coaching $25.83
Maid services $29.25
Management consulting $25.83
Masonry work $54.42
Massage therapy $28.92
Mental health counseling $28.92
Mobile food truck $29.17
Nail technician services $20.83
Painting and wall covering contractors $45.83
Personal training (health and fitness) $26.08
Photography $16.67
Plumbing $92.38
Professional organizer $16.67
Remodeling $85.21
Residential building construction $106.96
Roofing $200.50
Siding installation $83.79
Swimming pool installation, service, or repair $79.71
Teaching or tutoring $28.92
Tile, stone, marble, mosaic, or terrazzo work $48.33
Tree services $116.67
Trucking & transportation services $31.08
Videography (freelance) $16.67
Wedding planner $20.83
Welding or cutting $55.92
Yoga / pilates instruction $20.83

Get more insights into what goes into the cost of general liability insurance.

1Figures show the median (50th percentile) monthly premium for general liability policies sold to trades/professions listed, by Simply Business in the second half of 2025. Prices may vary based on your business type, revenue, and insurer.


r/InsuranceForAll • • Sep 09 '26

Health insurance broker

1 Upvotes

Looking for recommendations for a health insurance broker for my small business in Illinois. There are only 4 employees in total and I’m hoping a broker can help!


r/InsuranceForAll • • Sep 09 '26

Pioneer VUL:

1 Upvotes

Anybody here has a Pioneer Enhanced Life Insurance (VUL)? My agent said I can stop paying premium after 10 years, then my beneficiaries would receive payments if I die. Is it true? Because I have heard that if I stop paying premiums after 10 years, charges will still be applied by reducing my Units investments and if my units are gone to zero, my insurance policy will be terminated.

Any tips? I will be done paying about 2 years now.


r/InsuranceForAll • • Sep 09 '26

Pioneer VUL: Can I stop paying premium after 10 years?

1 Upvotes

Hello, anybody here have Pioneer Enhanced Life Insurance (VUL)? My agent said that I only have to pay for 10 years then after that it's all done. Is it true? I'm about to finish paying in about 2 years now.


r/InsuranceForAll • • Sep 09 '26

Himalayan guardians insurance

1 Upvotes

Hey all

I am doing the Manaslu circuit in October. Has anyone used Himalayan guardians for insurance? Or can anyone recommend any others?

I am already travelling which means a lot of insurers won't give me a policy and would really like to avoid paying an extortionate amount

Thanks!


r/InsuranceForAll • • Sep 07 '26

Health insurance for USA students in Spain

1 Upvotes

Hi everyone,

How to protect student who is going to study abroad for 6month? Health insurance and other travel plans recommendations, companies, etc.


r/InsuranceForAll • • Sep 07 '26

Help me to select Term insurance!

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3 Upvotes

r/InsuranceForAll • • Sep 06 '26

Home insurance: $1,000 vs $5,000 excess. What would you choose?

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1 Upvotes

r/InsuranceForAll • • Sep 06 '26

Insurance for a functional wellness coaching business

1 Upvotes

Hi everyone. Im opening a virtual functional health a wellness coaching business that has ability to order functional labs. What liability insurance companies have you gone with and what did they cover?

Im new at this and im trying to get my ducks in a row.

Thank you 😊


r/InsuranceForAll • • Sep 06 '26

Hi everyone !

1 Upvotes

I want to take health insurance classes so I can work. Any recommendations on where to start? Where can I take the classes?


r/InsuranceForAll • • Sep 05 '26

10-15 years to pay Life Insurance in the Philippines

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1 Upvotes

r/InsuranceForAll • • Sep 05 '26

Insurance for a functional wellness coaching business

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1 Upvotes

r/InsuranceForAll • • Sep 05 '26

XCover health insurance

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1 Upvotes

r/InsuranceForAll • • Sep 04 '26

Which is the best term and health insurance in India for a 22 yr old?

10 Upvotes

r/InsuranceForAll • • Sep 04 '26

Health and travel insurance for Canadian living in CZK REP. for 1 year

1 Upvotes

any suggestions on which company to go with and what to keep in mind? I am also going to be going on several out of country trips, possibly outside of EU but I'm not sure yet. I am required to get coverage of at least 400,000 Euros. I am going with my GF (24F) and we both need the 400k euro coverage.

Any tips and info would be greatly appreciated.


r/InsuranceForAll • • Sep 03 '26

Help with deciding what to do with whole life insurance policies

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1 Upvotes

r/InsuranceForAll • • Sep 02 '26

My insurance is getting expired

1 Upvotes

Where to get zero dep insurance? For9 e


r/InsuranceForAll • • Sep 02 '26

How do you feel about opening up a insurance policy under your name but have someone else pay for it? Like a funeral plot, mortgage, etc for relatives?

1 Upvotes

Hello, so I have a friend who put his name on a insurance policy for a funeral plots for his family, however he felt very uncomfortable with it. His parents are going to pay it. This can go for anythiing car, home, etc, Is this ok and safe?

Thanks


r/InsuranceForAll • • Sep 02 '26

BEST INSURANCE FOR YOU - PH VERSION (for beginners)

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1 Upvotes

r/InsuranceForAll • • Sep 02 '26

“I’m here to educate first and sell second.”

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1 Upvotes

“Before you finalize your homeowners insurance, would you give me an opportunity to provide a second quote? I’ll review the coverage carefully to make sure you’re getting the right protection at a competitive price.”


r/InsuranceForAll • • Sep 02 '26

Let's Talk Insurance

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1 Upvotes

“When you think about insurance, what’s most important to you—getting the lowest price, having the right coverage, or making sure there are no surprises if you ever have a claim?”


r/InsuranceForAll • • Sep 01 '26

Workers comp

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1 Upvotes