Sentences with phrase «as guaranteed cash value»

is a permanent form of life insurance, providing coverage for life — it has guaranteed level premiums / death benefit beyond age 100, as well as a guaranteed cash value.

Whole Life Insurance is a permanent form of life insurance, providing coverage for life — it has guaranteed level premiums / death benefit beyond age 100, as well as a guaranteed cash value.

• Whole Life provides protection as well as a guaranteed cash value.

Reason one: With an infinite banking policy you have certain guarantees, such as guaranteed cash value growth, guaranteed death benefit, and guaranteed fixed premiums.

This plan provides guaranteed level premiums, as well as guaranteed cash value growth.

In addition, there are many benefits with whole life insurance such as guaranteed cash value, the policy can be used as collateral for a loan, and if it's a participating whole life policy annual dividends can be used to grow not only the cash value but also death benefit of the policy.

Secure Whole Life — Their whole life policy offers guaranteed life insurance benefits for life as well as guaranteed cash value accumulation, which can be drawn from by way of loans or withdrawal if needed.

Whole life insurance features level premium payments and guaranteed death benefits as well as guaranteed cash values.

The AG Secure Lifetime GUL II provides a guaranteed death benefit, as well as guaranteed cash values — and guaranteed access to those cash values.

Not exact matches

As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumAs with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumas long as you continue to pay the premiumas you continue to pay the premiums.

Beyond its core protection, accumulation and premium guarantees, the product offers built - in and optional riders that can enhance cash value growth, provide flexibility to meet diverse protection needs and budgets and deliver added security for unexpected life events such as chronic illness.»

Protection UL's guarantees, often to life expectancy and beyond, along with affordable premiums and cash value growth potential can help consumers replace lost family income and fund future expenses such as helping to pay for college or supplementing retirement savings.

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Whole Life Insurance Definition: also known as ordinary life insurance, it is a type of permanent life insurance policy that offers a guaranteed death benefit, guaranteed fixed premium, guaranteed cash value and guaranteed access to the policy's cash value through loans and withdrawals.

However, these opinions often do not carefully consider the fact that as a whole life investor, you're purchasing both a permanent death benefit AND guaranteed cash value growth with tax advantages.

As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumAs with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumas long as you continue to pay the premiumas you continue to pay the premiums.

Variable annuities were introduced in the 1950's as an alternative to fixed index annuities which offer a guaranteed contractual rate of interest in terms of the cash value growth of the account, similar to dividend paying whole life insurance.

This means that you could borrow 100 % of the cash value, and the guaranteed return on the cash as well as the dividends will continue.

Though these can only be purchased as separate policies, guaranteed universal life insurance has little to no cash value, so it's considerably less expensive for permanent coverage than whole life insurance.

«Participating life insurance» is only possible with a cash value life insurance policy as distinguished with other types of life insurance that do not accrue cash value such as convertible term life insurance or most guaranteed universal life insurance policies.

Universal life insurance is similar to whole life insurance, but the premiums can be paid on a more flexible basis (overpay when you have money on hand, pay less when you don't) and cash value growth is not always guaranteed, as it may be tied to an index or simply the insurer's investment performance.

Guaranteed universal life insurance is the cheapest way for seniors to get permanent life insurance coverage, as policies typically have little to no cash value component.

Through a cash value life insurance policy you can get guaranteed returns or take greater risk, such as investing the cash value in an index or actively managed portfolio.

While these other types do offer a death benefit that can be guaranteed by a rider in many cases, they primarily FOCUS on cash value accumulation within the policy that varies as follows:

Multi-Year Guaranteed Annuities, Fixed Indexed Annuities, and Variable Annuities all have cash values, where as income annuities (Single Premium Immediate Annuities and Deferred Income Annuities) do not.

Cash value life insurance coverage usually guarantees a rate of return around 4 % with today's interest rates and this return should be viewed as a baseline because the non-guaranteed portion of the policy includes dividends that are tax free and reinvested.

Thus, it makes sense to roll the dividends back into the policy by purchasing additional whole life insurance so that your cash value grows, compounded by a guaranteed interest rate and dividend growth and your death beenfit grows, so you leave as much money as possible to your estate.

Whether the return of cash value is guaranteed, as in a whole life or guaranteed UL policy OR whether based upon the financial markets, as in IUL and Variable UL policies, the idea behind permanent insurance is to accrue a nest egg of usable cash value within a life insurance policy.

It's easiest to explain whole life policy as two different parts: A term life - style death benefit paired with a savings account - style cash value component that provides a guaranteed, but minimal, growth rate.

And the policy's cash value grows year by year, guaranteed as well.

This guaranteed dividend payout makes REITs ideal for investors looking to actually get cash from the investment, as opposed to just waiting for the value to increase, then selling.

This might be a very low number, such as 1 % or 2 % (or even a guarantee that you just won't lose money), but it's still an assurance that you won't lose cash value.

It also gives you the same guaranteed death benefit protection as all our other whole life policies, but keeps costs down by spreading your payments out a little further and by offering a little less cash value and dividend growth potential.

On the other hand, again like EIAs, there is a guaranteed minimum cash value that serves as a floor on policy values in case of a declining stock market.

Some of these offer the guarantee of a minimal amount of interest, as well as the ability to take a loan out against the cash value, without lapsing the policy.

As an example, a properly structured cash value whole life insurance policy that is purchased from a mutual company, is one that has tremendous liquidity, low cost (majority of the cost is buying lifelong level insurance — not to be compared to term), no tax on the growth of the account, tax free loans, tax free withdrawals (up to basis), tax free to survivors, no contribution limits, no required withdrawals, is free from creditors, and has minimum guarantees.

There is no guarantee on the cash value of this type of policy as you are subjected to investment risk.

AIG's Secure Lifetime GUL III: This policy offers a guaranteed death benefit regardless of cash value as long as premiums are paid.

• Allows policyholder to lock in a guaranteed death benefit for specific time required for coverage • Provides a guaranteed tax free death benefit for beneficiaries • Provides a vehicle to pass along wealth to children or grandchildren • May be used to cover estate taxes, fees and outstanding medical bills • May be set up as a charitable trust • May be used for cash value accumulation • Ideal for a Buy / Sell Agreement • Provides a policy which is both flexible and affordable

Whole Life Insurance — As the standard option, this policy offers a cash value component, potential for dividends, and guaranteed premiums up to the age of 100 years.

Whole life illustrations usually show two columns with for guaranteed cash values and death benefit, as well as «projected» or «assumed» cash value, dividends, and death benefit.

This universal life insurance plan provides flexible premium options, as well as lifetime guaranteed coverage with provisions for guaranteed cash values.

Whole life insurance policies cost more and there is no guarantee of the cash benefit as it is based on current market value.

A fixed indexed single premium whole life insurance policy will also provide a death benefit that is guaranteed, as well as a cash value component.

Guaranteed universal life may be guaranteed for life, but won't build up as much cash value and maybe noGuaranteed universal life may be guaranteed for life, but won't build up as much cash value and maybe noguaranteed for life, but won't build up as much cash value and maybe none at all.

At first, you might be worried about not having the cash value component in your guaranteed universal life policy but there are a few reasons why this isn't as big of a concern as you think;

Often, secondary guarantees have to be limited or cut to make the policy attractive as an alternative investment or a high cash value policy.

One last note, be sure your plan is guaranteed universal life, meaning as long as you or your cash value pays the minimum premium, the death benefit is guaranteed.

Whole life and many universal life plans have a guaranteed cash value that can used for any reason, including as an income supplement or to pay for college tuition.

There are also products that are guaranteed to pay out proceeds upon death, known as guaranteed universal life, but have little to no cash value after the premium goes in.