Sentences with phrase «indexed universal life policyholders»

Indexed universal life policyholders benefit from tax - free contract loans that exceed the premiums paid — the accumulated loan is paid off at death by a tax - free death benefit.

Not exact matches

This statistic leads me to believe that it only takes about three years before the term insurance policyholder realized they made a mistake and converted the policy to permanent insurance like indexed universal life.

Both the indexed universal life insurance and the term life insurance policies typically include an accelerated death benefit so that a large portion of the death benefit can be paid to the policyholder in the event of a terminal illness.

With the S&P hitting all - time highs recently and soaring about 140 % since its 2009 low, policyholders with indexed universal life are likely pretty happy.

The fixed indexed universal life insurance policy allows the cash component to experience growth that is based on an underlying market index, such as the S&P 500 — yet, in times of a market downturn, the policyholder won't lose value in their cash component.

With an indexed universal life insurance policy in particular, policyholders can see decent growth depending on the index that the interest rate is set against, and the minimum interest rate means that the risk is minimal if the market falls.

Indexed universal life policies put a portion of the policyholder's premium payments toward annual renewable term insurance with the remainder added to the cash value of the policy after fees are deducted.

Indexed universal life insurance policies give policyholders the option to allocating all or a portion of their net premiums (after paying for the insurance coverage and expenses) to a cash account.

Indexed universal life insurance differs from variable universal life insurance in that indexed policies follow a stock market index, while variable policies can allow policyholders to allocate funds to a variety of investment vehicles, such as stocks, bonds and equityIndexed universal life insurance differs from variable universal life insurance in that indexed policies follow a stock market index, while variable policies can allow policyholders to allocate funds to a variety of investment vehicles, such as stocks, bonds and equityindexed policies follow a stock market index, while variable policies can allow policyholders to allocate funds to a variety of investment vehicles, such as stocks, bonds and equity funds.

Investopedia offers the following definition: «An indexed universal life insurance policy gives the policyholder the opportunity to allocate cash value amounts to either a fixed account or an equity index account.

Investipodia offers the following definition: «An indexed universal life insurance policy gives the policyholder the opportunity to allocate cash value amounts to either a fixed account or an equity index account.

For consumers looking for a more aggressive investment, there is a Universal Life policy (Indexed Universal Life) that allows the policyholder to invest funds into an account that earns interest based on certain market indices (e.g. the S&P 500), which allows it to earn considerably more interest.