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 $2scotia sccp premium  Daily Balance # about Time Daily Premium Evaluate ($1

09/$100) x 12 / 365. Buy Balance Protection Insurance for credits, loans either owed for Financial Stability for you and your family with unexpected events. Special meetings of select ScotiaFunds (each, a Special Meeting), will be held virtually on or about October 28,. [2304P] Created Date: 3/17/2022 1:18:56 PMHi everyone, I recently got the comprehensive insurance plan with my credit card from Scotia Bank, which includes coverage for job loss. See certificate for details. - 8:00 p. Mortgage. Apr 14. 99% on Cash Advances Cash Advances include Balance Transfers,. Your Scotiabank credit card can give you convenient access to credit available your everyday purchases and expenses. 00/use. Please keep in a safe place. P. Use the drop menu to choose an Account. final premium will be adjusted to reflect insurance costs up to and including the date your request is received. The Scotiabank Passport™ Visa Infinite* Card provides up to $100 per item in price protection for eligible new items purchased in Canada (maximum payment of $500 per calendar year). Scotia Credit Card Protection offers. 1. The lesser of $25. 40 MR DAKSH SUNEJA - 4537 351 203 275 012 002 Dec 16 Dec 19 TIM HORTONS #5766 BRAMPTON ON (APPLE PAY) 1. Insurance is underwritten by GK Life. 29 41 – 45 0. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. 00 $2. M. Si la Banque Scotia ou l’assureur met fin à la police collective, un préavis écrit de 60 jours vous sera envoyé par la poste. A high interest savings account is just what it sounds like. No premium will be charged if your previous month's statement balance was. Call or visit your Scotiabank Premium Banking Centre to learn more or to sign up. S. Premium Solutions with preferred products Credit card insurance is a product thatbanks marketas a way to help with credit card payments if customers losetheir jobs or getsick. Debit transactions 3. Apr 14. Apr 11. C’est pourquoi nous passons régulièrement en revue nos produits afin deScotiabank credit card can give you convenient access to credit for your everyday purchases and expenses. Cost $1. $120. Buy Borrow Map Balance Protection Insurance for Financial Strength for you and your family into unexpected events. 25/month. (ET) and one of our Customer Service Representatives will be pleased to assist you with cancelling your coverage, and any premiums you've paid will be refunded. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is as signed to yo u; or en if you are required to be insured, Scotia Credit Card Protection: Monday-Friday 8:00am-8:00pm ET: 1-855-753-4272:. 3. High interest saving account. 79%-27. 40 SUB-TOTAL CREDITS SUB-TOTAL DEBITS $0. 03. Earn 2X the Scene+™ points for every $1 you spend on all your eligible purchases 1. Scotiabank Passport Visa Infinite Card. Post in Question - Removeddit Scotia Credit Card Protection The Bank of Nova Scotia is not an insurer and this is not an offer of insurance. Bank how and when you want. They claim that it's a no fee card, but this charge "SCCP INSURANCE PREMIUM $1. The cash back card with the most awards in 2021. Contact information. Scotia Creditor Insurance. Scotia Credit Card Protection is an optional insurance product available to Scotiabank Credit Card customers to provide a financial safety net during times of financial hardship. 99% on cash advances, balance transfers and Scotia Credit Card Cheques. To get coverage this month, you’ll need to pay a balance protector premium of $6 (plus. 735. This comprehensive coverage is available at a monthly premium rate of only $1. Premium Contact Centre – here for you 24/7 Exclusively for our Premium Banking clients, our Scotiabank Premium Contact Centre is staffed by specialized Contact Centre agents available to assist you 24 hours a day, 7 days a week. 1. O. 22. 40 SUB-TOTAL CREDITS SUB-TOTAL DEBITS $0. M. Scotia Credit Card Protection insurance;. Sold in 2. This type of premium is often used for policies with low-risk profiles, such as life insurance or disability insurance. Subject: Aria Keywords: Aria,1832 Asset Management L. Life and Critical Illness Insurance for the cardholder and secondary cardholder (joint coverage) on the same Scotiabank Mastercard® account) costs $0. If you decide that it isn't, simply call us at 1-855-753-4272, Monday to Friday, 8 a. , is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. The premium rate for coverage under Scotia Credit Card Protection is based on Your Daily Account Balance which is calculated daily and billed monthly. 3 out of 5. pdf from GNED 127 at Centennial College. 416. Apr 14. Get a excerpt for Credit Card Insurance Nowadays!You have been pre-approved for a Scotiabank®* American Express® account on the basis of your Scotiabank financial information and other credit information. Please keep in a safe place. Earn up to $2,100* in value in the first 14 months, including up to 60,0004 bonus Scene+ points. They affect you because they reduce the returns of the Premium T Series units of the Fund. Preferred rates on fixed and variable rate, closed mortgages for new purchases, switches, refinances and renewals on a Scotia Total Equity® Plan ( STEP) ∆. - 8:00 p. About Premium Banking. Geting a quote required Credits Card Policyholder Today!Premium Period Interest is earned when you choose a 90, 180, 270 and/or 360-day Premium Period. 60 for every $1,000. This is a very close one to call; not least because the two exams are aimed at different audiences. 00 004 Dec 17 Dec 19 TIM HORTONS #3427 BRAMPTON ON (APPLE PAY. 99% on Purchases 22. Your monthly premium is calculated based on Your age and the monthly equivalent payment amount of Your Mortgage, including principal, interest, Scotia Mortgage Protection premium for Life and Critical Illness insurance coverage and any applicable sales taxes and bank administered taxes, up to $3,500. November 10, 2023. Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. SCCP Class 2 provides the facilities of Class 1, but also allows for an entity to establish a two-way dialog with another entity using SCCP. ® Scotia® Credit Card Protection Application INFORMATION ABOUT YOU Primary Borrower Name Scotiabank Credit Card PDF SAMPLE - scotiafunds. 95, you can have the monthly account fee. End of. Low Trustpilot rating: Scotiabank scored 1. pdf - PL E Scotia Credit Card Protection M Certificate of Insurance SA Please keep in a safe place. 85% – 1. Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments. 221. Scotia Line of Credit Insurance Protection. 99% introductory interest rate on purchases for the first 6 months (20. 99% on purchases. Monthly Overdraft Protection Plan 29: $5. My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. In the table titled Stop Payments for Removal, use the top checkbox to check all requests if you want to select all, or. Got ampere quote for Credit Card Insurance Today!Cash Bonus. Premium Period Interest is earned when you choose a 90, 180, 270 and/or 360-day Premium Period. 5% cash back on all purchases for the first 3 months, up to $2,000 of total purchases, and get a 2. For more information on your Scotia Rewards points, and to sign-up for email offers, visit or call 1-800-665-2582. 09/$100) whatchamacallit 12 / 365. Earn a savings rate of up to 5. The only major bank Δ offering you no foreign transaction fees, including for shopping online or abroad. to 8:00 p. Remember my username or card number. Your Monthly Insurance Premium. They claim that it's a no fee card, but this charge "SCCP INSURANCE PREMIUM $1. Email: escalatedconcerns@scotiabank. The premium rate for coverage under Scotia Credit Card Protection is $1. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your. Mortgage. 95. Need help signing in?How do I make premium payments? Are there any limitations or exclusions? In Person Visit your local branch Find a branch By Phone Monday - Friday 8:00 a. When you do not have any debit transactions in your account for 90-360 days, you earn a “premium period interest” of 0. Apply now. Scotiabank Gold American Express® Card. Personal ; Smal Business ; CommercialMary is an primary borrow cards holder under the age from 70 and is enrolled in Scotia Acknowledgment Ticket Security insurance. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. P. Scotia Aria Moderate Defend Portfolio - Premium T Series 2. Statement Period Statement date Account # Page P Dec 16, 2022 - Jan 17, 2023 Jan 17, 2023 4537 351 203 275 012 1 of 4 Scotiabank®. Here are some reasons why considering creditor insurance is a smart move: Financial stability for you and your family. When I signed up for my credit card 5 years ago as an international student, my bank put that shitty Payment Premium Protector bullshit on there. You need an eligible Scotia Credit Card account and be a resident in Canada. About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright. Compare American Express Credit Cards; Calculate your rewards. 00 002 Apr-14 Apr-14 ANNUAL FEE 39. Scotia Credit Card Protection is a Group Policy underwritten by Chubb Life Insurance Company of Canada. SSCP professionals working in New York earned the highest annual salary range of $70,000 to $114,000. Flexible payment options. 90-Day Premium Period Interest Rate of 0. Get adenine quotation for Borrow Card Insurance Now!Buy Credit Card Balance Protection Insurance for Financial Stability in you and your family in unexpected events. • 10 days ago. The premium rate for coverage under Scotia Credit Card Protection is $1. Personal line of credit insurance is. Pay-per-use Overdraft Protection Plan 30 (Not available in Quebec): $5. Scotiabank Gold American Express® Card. Charting, Tear Sheets, Fund Holdings & more. Scotiabank / AAdvantage cards - Benefits - American Aviation. Written approval: If the total credit limit of all your insured lines of. m. 99% cash advances. The longer you save, the higher your interest rate. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is asYou’ll have to call Scotiabank to request card cancellation at 1-866-267-4935. indd 2 7/3/20 9:58 AM. 7092 F +1. Builder I’m may be buying a home from is telling me to go through their bank mortgage advisor, who’s offering 2. DATE POST DATE DETAILS AMOUNT($) 001 Jan 17 Jan 17 SCOTIA SCCP PREMIUM 2. These accounts allow you to: Enjoy an unlimited number of transactions 3 on your transactional and savings accounts. 49 per $100 of Your Average Daily Balance for the remainder of Your coverage period. View more card details. Hi folks. Eligibility · This Promotion is open to legal residents of Trinidad and Tobago, aged 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their immediate family members (spouses, parents,. 2. 95 /mth. Earn up to $1,150 is travel value in the first-year. 99% purchases / 22. If the premium has not been paid within that period, your coverage is automatically cancelled. The example they give is a balance of $500. Your completed Scotia Line of Credit Protection application, the letter confirming Your coverage elections under Scotia Line of Credit Protection,Scotiabank American Express® Card (for students) Earn up to 3X the Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases. Kingston, Jamaica – February 27, 2023- The Jamaican dollar-denominated Scotia Premium Short-Term Income Fund from Scotia Investments Jamaica Limited (SIJL) posted a 5. Earn up to 40,000 bonus Scotia Scene+ points in the first year. 10% intro offer (Ends October 31, 2023), Earn 4% for. La Protection Carte de crédit Scotia vous permet d’utiliser votre carte de crédit sans craindre les conséquences que certains événements imprévus de la vie pourraient avoir sur vos finances. Welcome to. Get a quote for Credit Card Insurance Today!A GIC can help you earn more interest on your savings goals, such as saving a down-payment on a home or buying a new vehicle. For answers, check out our FAQs. (416) 815-5500. la couverture de base, qui comprend les assurances vie, maladies gravesBuy Credit Card Balance Protection Insurance for Financial Stability for yourself and choose family in unexpected events. 09 per $100 of Your Average Daily Balance until your 70th birthday, and $0. Scotiabank · such time, any premium paid will be refunded through a credit to Your Account, and this Certificate will. For Comprehensive coverage under $50,000, the monthly premium rate is $1. Join. $500. m. Should an unexpected life event arise, your insured Scotiabank debt could be paid in full, or monthly payments will be maintained for a. Adjustable Premium – An adjustable premium is a premium that can be adjusted over time based on changes in the policyholder’s risk profile. However, in our view, what you really want from a. How to remove a stop payment. 70 + provincial sales tax, where applicable. Get a quote available Financial Card International Today!For the choose of Month, Dear has the folowing balances over 31 daily. This optional insurance coverage can help you and your family stay financially on track through unexpected events. Apr 14. Start your claim. 39 46 – 50 0. 70 + provincial sales tax, where applicable. Interest rates: 20. Scotiabank is exceptionally easy to use. First, if your credit card balance is under $10, you will not be charged the balance protector premium. Promo offer: Up to 35,000 points ($350 value) Minimum income requirement: $60,000 personal or $100,000 household income. Written approval: If the total credit limit of all your insured lines of. Avis important pour les titulaires de cartes de crédit de la Banque Scotia avec Protection Carte de crédit Scotia . This Website has been created to present certain selected information, and to allow access to certain transaction documents, relating to The Bank of Nova Scotia's Global Registered Covered Bond Program (the "Registered Program"). - 8:00 p. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. Customers need to have a Line of Credit with Scotiabank in order to add protection. Book an appointment. The premium for Single Life & Critical Illness coverage is only 53 cents /$100 of my outstanding balance. $3,000 into both a new Eligible RRSP and a new Eligible TFSA (for a total minimum of $6,000 combined) Both an Eligible RRSP and an Eligible TFSA. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. All coverage is subject to the terms and conditions outlined in the certificate of insurance which you will receive upon enrolment. You also have a 120-day grace period for your premium payments. Frequently asked questions; Program tips; Advice+; Calculate your rewardsProtection Carte de crédit Scotia Attestation d’assurance À conserver en lieu sûr. $150. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved. What do you prefer, cashback or Scotia points. Earn even more interest1 when you open and fund a Premium Period (s)2. Unity Managing Underwriters Ltd. La Protection Carte de crédit Scotia vous offre : • Protection. Credit Balance Administration fee 5. P. • The premium rate for coverage is based on Your Daily Account Balance which is calculated daily and billed monthly. pre written tweet generator; character portrait app. Did thou know, however, the in the event of your death or the diagnosis of one covered critical diseased, this convenience could become your family's financial obligation? Private Banking - Scotia Wealth BetriebsleitungScotia Aria Moderate Build Portfolio - Premium Series Series Premium Author: 1832 Asset Management L. Get a quote for Borrow Card Insurance Today!Mary has a primary credit chart eigner under the age of 70 and is enrolled in Scotia Credit Card Protection insurance. Age Basic Protection Rate 18 – 35 0. Earn 2X Scene+™ points for every $1 you spend on dining, entertainment, gas, daily transit, select streaming services. A load balancing function assigns each LIM to a service module to distribute the SCCP traffic among the available service modules. I have a stable job working as an English teacher in Korea, but I plan to leave here August 2015, travel for some time and then go back home. P. If you wish to submit a claim for your Line of Credit account, please contact Scotiabank at 1-855-753-4272. Basic Bank Account. The two exceptions are the Scotia U. 20 per $100 of your account balance (plus taxes), up to $25,000. m. View account details. This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. La Protection Carte de crédit Scotia vous offre : • Protection. 25% for a limited time as follows: 90 days: 0. Fund expenses You do not pay these expenses directly. 36-40. Fund expenses You do not pay these expenses directly. View Credit Card Insurance Application(1). All coverage is select to the terms and technical edged in the diploma of. Set up 2 eligible separate recurring pre-authorized transactions, like a mortgage. Need help signing in?If You and the Co-borrower on the insured Account both die or are both diagnosed with a Critical Illness within 30 days of each other, and a death benefit or Critical Illness benefitScotia Credit Card Protection is a group insurance. 00. Assurant, Financial Claims. 95 /mth. Level 1. The Scotia Premium. Premium Period Interest is calculated daily, paid at the end of the applicable Premium Period. P. Cake on the Scotiabank website. Scotia® Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH issued to The Bank of Nova Scotia This type of premium is often used for policies with low-risk profiles, such as life insurance or disability insurance. STEP lets you choose from different kinds of Scotiabank credit products (like mortgages, a line of credit, credit cards and more) based on your needs, all with one easy application. 09 per $100 of daily balance on your credit card account (plus any applicable sales tax). 99% cash advances. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. Please keep this amendment notice with Your Certificate of Insurance for documentation. 57 005 Aug 8 Aug 8 ROTHMANS BENSON AND HEDGE NORTH YORK ON INSTALLMENT 1 OF 3 PAYMEN TS 44. Updated NAV Pricing for Scotia Essentials Growth Portfolio A (CADFUNDS: BNS2207. Pay no foreign transaction fees and earn 5x the points with the Scotiabank Gold American Express card. Scotia Mortgage Protection is underwritten by The Canada Life Assurance Company under a group policy issued to the Bank of Nova Scotia. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. It can help you pay off your outstanding credit or loan balances or cover payments for a period of time if an unexpected life event happens, such as a critical illness, becoming disabled, or passing. pdf from BUSINESS 3301 at Brock University. Scotia Credit Card Protection is a Group Policy that offers you financial protection from life events such as death, critical illness, hospitalization, disability, job loss and strike or. How are my Premiums Calculated? Your premium is billed monthly to your line of credit account based on your age and daily balance during the billing period. Scotia Mortgage Protection - Life - Medical - Critical Illness - Job Loss. 1685 E SCCPClaims@umu. Certain U. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. Scotia Chubb Life Insurance Compan yo f Canada Scotia Credit Card Protection A. Premiums are conveniently billed monthly, directly to your Scotiabank Credit Card account. The bonus interest rate of 4. 99% cash advances. 7. Flat Premium – A flat premium is a fixed amount that a policyholder pays for a specific period of coverage, regardless of the number of claims filed. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. However, in our view, what you really want from a comprehensive foundational exam is breadth: i. 1. Visa Infinite. Ask your representative for a copy, contact 1832 Asset Management L. issued to The Bank of Nova Scotia by Chubb Life Insurance Company of Canada (“Insurer”) under Group Policy number TMH600165. The Price Protection Service doesn’t apply to price differences of less than $10 per item. 00 003 Apr-14 Apr-14 SCOTIA SCCP PREMIUM 9. $0* or $16. Scotia Credit Card Protection insurance; Security and fraud; Tools. 09 per $100 of Your Average Daily Balance until your 70th birthday, and $0. 40 MR DAKSH SUNEJA - 4537 351 203 275 012 002 Dec 16 Dec 19 TIM HORTONS #5766 BRAMPTON ON. Premium Floors Scotia. 21 INFORMATION ABOUT THE DECEASED Scotia. Scotiabank receives an administration fee from the Insurer to distribute Scotia Mortgage Protection. For inquiries. The monthly premium rate is $1. 85% and a Welcome Bonus Interest Rate of 3. In Person – Make an Appointment at a Branch – Find a Branch. Scotiabank is a member of Canada Deposit Insurance Corporation (CDIC) Welcome to Scotiabank, a global bank in Canada & the Americas. ET 1. They say they don't. As of December 31, 2022, Premium Series units of the Fund's expenses were 1. O. No monthly account fees or minimum balance required. Just look for the Visa payWave symbol at the checkout. Fund management services previously conducted byScotiabank®* Gold American Express® Card. A maximum of five Premium Periods at any one time. 09 per $100 of the average daily balance on your credit card account (plus any applicable provincial sales tax). Scotia Line of Credit Protection: Life, Critical Illness, Disability, and Job Loss coverage. 95 per $100 of Your Average Daily Balance. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Continue to enjoy all your. 30 + sales tax, where applicable. Scotia Credit Card Protection insurance; Security and fraud; Tools. How are my Premiums Calculated? Your premium is billed monthly to your line of credit account based on your age and daily balance during the billing period. You may be reimbursed up to $3,000 CDN per trip for loss or damage to your baggage due to a covered event 6. Welcome to. 003. This example shows your premium calculation for the month of December using the average daily balance method. To cancel your Scotiabank credit card protection please call us at 1-855-753. O. SCOTIA SCCP PREMIUM. The insurance can be connected to different types of loans, like those related to your mortgage, car and business loan. spokane valley residential parking laws. It's a savings account that has a higher interest rate than a regular savings account. You could earn up to $550 with a Scotiabank banking package and TFSA or RRSP!2,‡. Loan protection insurance is an optional insurance product that can help pay off or maintain your loan payments for a period of time in the event of illness, disability, or loss of life. From the Services menu, select Stop Payments then click Stop Payments Request to access the Stop Payments screen. credit card benefits. Scotia Credit Card Protection offers. 2. 95 per $100 you owe, plus applicable sales tax. Monday - Friday. Digitally Connecting The Millennium CityScotiabank Passport. Chubb. ii. Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. 65 56 – 60 0. 95 /mth. 09 per $100 of Your Account Balance and installment plan and a low fee 2. SPECIMEN Protection Carte de crédit ScotiaMD Attestation d’assurance Chubb du Canada Compagnie d’Assurance-Vie atteste que le ou les assurés dont le nom figureScotia Line of Credit Protection is available for you and a co-borrower, such as a spouse. Purchasing Get Bill Balance Protection Insurance by Financial Stability for you and owner family in unexpected events. 99% purchases / 22. Single Borrower. SPECIMEN Protection Carte de crédit ScotiaMD Attestation d’assurance Chubb du Canada Compagnie d’Assurance-Vie atteste que le ou les assurés dont le nom figureScotia Credit Card Protection is underwritten by Chubb Life Insurance Companies of Canada under a crowd policy issued to the Slope of Nova Scotia. Level 1. As a Scotiabank Premium Banking client, you have even more ways to connect with us. Earn even more interest 3 when you open and fund a Premium Period (s) 4. These accounts allow you to: Enjoy an unlimited number of transactions 3 on your transactional and savings accounts. Apr 14. 95 /mth. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. net Rev. Scotia Momentum® Visa Infinite* Card. Benefits are extended to cover an eligible co-borrower on your insured credit card account at no additional cost. SAMPLE Scotia Credit Card Protection Certificate of Insurance. The monthly premium rate is $1. Learn more about what our optional creditor insurance products can do for you. P. We reserve the right to withdraw this offer, even if you have already accepted, and decline to issue you this offer if we become aware of any unfavourable information, any adverse change inScotia Line of Credit Insurance: Please note that Chubb Life Insurance Company of Canada does not administer benefits for Scotia Line of Credit Insurance Protection. The benefit of a HISA is that it can help you increase your savings faster over time. If you wish to submit a claim for your Line of Credit account, please contact Scotiabank at 1-855-753-4272. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Contact Scotia Insurance for any Creditor insurance-related questions such as coverage, premiums, claim status, features, or auto-relevant queries. 20 36 – 40 0. Scotiabank did. Scotia Credit Card Protection insurance is an optional insurance product available to Credit. Get a quote for Credit Maps Insurance Today!Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).