Sentences with phrase «most universal life»

If interest rates stay low, which they are expected to, most Universal Life insurance clients will find their policies underfunded in the years ahead.

I have based this blog on the very same thing that most universal life insurance policies are based on, assumptions.

Most universal life policies in force today are in trouble.

Most universal life insurance in force today is not guaranteed to have a level premium and death benefit for life.

Most universal life insurance policies contain a flexible premium option.

For you to borrow your own money, most universal life insurance policies charge high interest rates that range from 5 % to 9 %.

In fact, most universal life insurance policies sold today are earning less than 3 % interest, and this is not enough to offset the rising cost of insurance as one ages.

In fact, most universal life insurance purchasers are not aware of the loan charges, high interest rates, and annual investment fees that they will have to pay until they actually need to borrow from their policy.

Most universal life policies come with a «cash value» or cash accumulation account.

Most universal life policies pay a minimum guaranteed rate of return.

However most universal life insurance investments are NOT guaranteed.

The investment portion of most universal life insurance policies does behave like a mutual fund in another very important aspect.

There's guarantees built into the policy so it acts as a level term policy without an expiration date because Prudential can't raise your rates or bring down your coverage amount where most universal life insurance policies, that's a possibility.

Most universal life plans can stay in force up until the age of 100 or even longer depending on the policy set up.

Most universal life policies accumulate cash - value over time that you can borrow1 against (up to a maximum limit), for whatever you like, such as a down payment on your first home or preparing for a new baby.

Like most universal life policies, the longer that you pay monthly premiums into the plan, the more cash value that they will accumulate.

Most universal life policies (UL) allow the owner to switch between the level or increasing death benefit with few restrictions.

Most Universal Life policies come with an option that allows the policyholder to take out a loan / borrow money against the cash value of their policy.

Most Universal Life policies will also provide a guaranteed rate of return on your cash values, with one important exception.

The investment portion of most universal life insurance policies does behave like a mutual fund in another very important aspect.

However most universal life insurance investments are NOT guaranteed.

With most universal life policies, the premium payments can be increased or decreased and the death benefit can be increased or decreased.

As analogy, if most universal life products can be referred to as a thoroughbred racehorse, most whole life products may be deemed the Clydesdale workhorse.

Indexed Universal Life products are not an investment in the «market» or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance.

Not exact matches

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies useUniversal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to gLife (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies useuniversal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to glife policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

Here, we'll discuss the basics of the four most common permanent life insurance options our clients choose: Whole Life, Guaranteed Universal Life, Universal Life, and Indexed Universal Llife insurance options our clients choose: Whole Life, Guaranteed Universal Life, Universal Life, and Indexed Universal LLife, Guaranteed Universal Life, Universal Life, and Indexed Universal LLife, Universal Life, and Indexed Universal LLife, and Indexed Universal LifeLife.

While whole life insurance is the most popular type of permanent coverage, guaranteed universal life insurance is typically the better option for seniors.

Agony now is the way of achieving that reconciliation, that breaking down of the barrier of enmity — which the madness of men prevented love from accomplishing, and the frustration of which is the most refined torment in the sufferings of the Messiah — a universal agony in the likeness of that of the Savior, both the agony of the racked, abandoned Jews and of the racked, abandoned Christians who live by faith.

In Kierkegaard's earlier works are found the germ of some of Buber's most important early and later ideas: the direct relation between the individual and God in which the individual addresses God as «Thou,» the insecure and exposed state of every individual as an individual, the concept of the «knight of faith» who can not take shelter in the universal but must constantly risk all in the concrete uniqueness of each new situation, the necessity of becoming a true person before going out to relation, and the importance of realizing one's belief in one's life.

In The Christian Intellectual, Jaroslav Pelikan underscored this dilemma by saying that the most formidable obstacle to the renewal of Christian intellectual life is «a curious alliance between the secular suspicion of an elite that has been characteristic of much of American life and a distorted interpretation of the Reformation doctrine of the universal priesthood of all believers.»

On the other hand, it must be reiterated that the Old Testament canon reflects the full range of the life of that people; that the spirit of Esther was provoked in their history, again and again; that Jews have known in their long history one Haman after another (the most recent conspicuous Haman being Adolph Hitler); and that if Esther isn't history or theology in any direct sense, it nevertheless informs us more richly of the life of man and points up one of the universal deterrents to the exercise of the love of God.

The ideal aim from God, however, is «ideal» not only because it is the most relevant for a specific life situation, but also because each of these ideal aims fits harmoniously with all the others into a larger whole, which Cobb describes as «Cod's aim at universal intensity of satisfaction» (CNT 180).

It is the problem that arises in its acutest form when life itself becomes a problem, when the goodness of existence is questionable, as it has been for most men at most times; when the ancient and universal suspicion arises that he is happiest who was never born and he next fortunate who died young.

Throughout the book, Capon presents a view of grace, the universal forgiveness of all sins, and the presence of Christ in everybody at all times which is contrary to most of what is taught and believed in most churches today, but which seems to be closer to the radical grace of God which is presented in the both the life and teachings of Jesus Christ.

Totally agree, if these companies were providing a decent living wage and had universal health care as they have in most other advanced industrial countries, I would be satisfied.

I think most complementarians would agree that Christians don't need to live by «every word» of the Bible, that there are things to consider like Old Law vs. New Law, universal commands vs. culturally specific commands.

Considering the vast array of geopolitical issues with which a Supreme Pontiff is burdened in his solicitude for the whole of the universal Church, that Benedict should choose to close his pontificate (or Francis to open his own) with anencyclical on the theological virtue of faith indicates a very pointed discernment of the signs of the times made by the papacy in our age; namely, that what is most lacking in the century in which we live — what is most crucial to today's society and what this era of history most requires, therefore, from the Church — appears to be faith.

I think one goes on because life is stronger than death: it is the most common universal value of being human.

This is a life revealed and given in the most historical, tangible and hence also universal terms.

It's about recognizing the unfortunately universal human experience of losing a loved one... and feeling sympathy / empathy for someone — regardless of whether there is a personal, real life connection to that person — who is going through one of the most traumatic experiences in life.

I think most single moms would happily forego being called a hero if they had the right to govern their own body and lived in a country where their elected officials created policies that allowed them to raise their kids in healthier, happier ways — from affordable childcare to universal preK to paid sick leave to equal pay.

Praasha Desire Praatika Image / Symbolic Pracheeta Origin / Starting point Pradyuta To begin to shine Pragnika Clever lady Praharsha Happy girl Prahasini Continues smiling girl Prajisha Morning Pramik Best / Fulfilling desires Pranal God Pranamya Offering obeisances Pranani Most beautiful Pranavee Goddess Parvati / The first sound of universe Aum (Alternate Spelling: Pranavi) Pranaya Leader Pranidhi Spy Pranika Goddess Parvati Pranisha Love to life Pranja Very cute Pranusha Prathama Usha — first rays of the morning Sun Pranvi Forgiveness / Goddess of life / Maa Parvati Pranvuta Praised Prasheila Ancient time Prashi Accomplishment / Fame Prashvita Parvati / Lord Shivas wife Prathulya Incomparable Prathusha Saisudha / Early morning / Dawn Prathysha Saisudha / Early morning / Dawn Prathyumna Victory Prathyusha Saisudha / Early morning / Dawn Prati One who appreciates and loves music Pratichi West Pratika Image / Beautiful / Symbol / Symbolic Pratitha Well known Prattusha Beautiful / soft Prattysha Morning Pratusha Saisudha / Early morning / Dawn Pratushya Morning Pratyaksha One who is real Pratyaya Perception / Thought / Intention Pratyusha Bright morning Pravara Eminent Prayukta Experimented Prayushi Pure Prayuta Mingled with Saadhvi Religious women / Courteous / Polite Saahana Raga Saarya Name of a pious woman Saatvika Goddess Durga / Calm (Alternate Spelling: Saatwika) Saavi Goddess Lakshmi / The Sun Saavini Pertaining to the month of Saavan / One who prepares Soma Sabrang Rainbow Sachita Consciousness Sadhvi Religious women / Courteous / Polite Saesha With great desire and wish / Truth of life Sagnika Fiery / Passionate / Married / With fire Sahuri War / Powerful / Victorious / The earth Sahya A mountain in india Saisha With great desire and wish / Truth of life (Alternate Spelling: Saiyeisha) Saketa Lord Krishna (Alternate Spelling: Saketha) Samanvi One who has all the best qualities Sambhwi Durga Samiha Generous Samika Peaceful Samiksha Analysis Samita Collected Samithra Good friend Sanchana Gathering of good habits Sanchaya Collection Sanha Skilful / Radiance / Elegance / Conciseness Sanheeta A compilation or a bunch of vedic hymns / Code (Alternate Spelling: Sanhitha) Sanmaya Equal / Removal of obstacles / Etc Sanmita Goddess Parvati / Prasanna Lakshmi Sanoja Eternal Sanrakta Red / Pleasant / Beautiful Sanwari Dusky Sanya Eminent / Distinguished / Born on saturday Sarasvi Water / Saraswathi Goddess Sarayu A holy river Sarisha Charming Sarit River Sarjena Creative Sarunati Nobleminded Sarvani Durga / Universal / Complete Sarvari Night

(1) to protect and promote breastfeeding, as an essential component of their overall food and nutrition policies and programmes on behalf of women and children, so as to enable all infants to be exclusively breastfed during the first four to six months of life; (2) to promote breastfeeding, with due attention to the nutritional and emotional needs of mothers; (3) to continue monitoring breastfeeding patterns, including traditional attitudes and practices in this regard; (4) to enforce existing, or adopt new, maternity protection legislation or other suitable measures that will promote and facilitate breastfeeding among working women; (5) to draw the attention of all who are concerned with planning and providing maternity services to the universal principles affirmed in the joint WHO / UNICEF statement (note 2) on breastfeeding and maternity services that was issued in 1989; (6) to ensure that the principles and aim of the International Code of Marketing of Breastmilk Substitutes and the recommendations contained in resolution WHA39.28 are given full expression in national health and nutritional policy and action, in cooperation with professional associations, womens organizations, consumer and other nongovermental groups, and the food industry; (7) to ensure that families make the most appropriate choice with regard to infant feeding, and that the health system provides the necessary support;

«Music and rhythm are human universals but do not appear to be shared by most other species,» says Jessica Grahn of the University of Western Ontario who is chairing the CNS session on musical rhythm and who co-authored a new study of live music and brain rhythms.

If these presumed bacteria are direct ancestors of extant photosynthetic bacteria, life was already well developed by then, having passed through the stages that led to the most recent universal ancestor and the splitting of the ancestral lineage into the primary lines of descent.

Most biologists still favor the standard view that the universal ancestor, already a quite sophisticated organism that had come a long way since the origin of life, first branched into the bacteria and the archaea.

Cyanobacteria are one of the most ancient forms of life on Earth, and coupled with the universal nature of the circadian clock, this study indicates that its fundamental function is to help schedule different metabolic activities.

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Soulful Monday Meditations are 3 week courses designed specifically to teach you about the Universal Laws that help us co-create our most abundant life.

He has been practicing yoga for 38 years, and has been travelling most of his life in Mongolia, India, Nepal, Bujatia and Siberia where he learned from internationally renowned yogis and Buddhists, before he created Universal Yoga.