Sentences with phrase «because of this the life insurance company»

You are unique and because of this the life insurance company that is best for you probably won't be the best for someone else.

Not exact matches

The dividend of 17.5 cents a share was just under consensus and only rose 3 per cent because of the dilution from a $ 500 million placement to Japan's MS&AD Insurance Group, which owns Challenger's Japanese distributor Mitsui Sumitomo Primary Life Insurance Company.

If you need a large amount of coverage, simplified issue life insurance isn't ideal for you because most life insurance companies cap the death benefit at $ 100,000 (some companies offer as high as $ 500,000.)

That's because when you invest a lump sum with an insurer today, the insurance company guarantees you will receive a monthly income payment for the rest of your life.

I can't be totally certain here, but I suggest that all major state insurance regulators should send Ben Bernanke, Tim Geithner, and Hank Paulson some really nice gifts, because had AIG's life companies failed, the state guaranty funds would have been hard pressed to come up with something north of $ 10 billion by surcharging the other insurance companies doing business in each state.

It also includes the not so obvious: earning the salary, paying the bills, maintaining the house, calling the insurance company about that surprise medical bill, researching all the possible causes of that weird cough your baby has been doing lately, scheduling tours of daycare centers, getting that promotion or signing that big client, researching life insurance plans, getting the oil changed like clockwork because you really need this car to last you, plus taking breaks so that you can recharge....

GLICO Life has denied allegations that its engagement with the National Service Secretariat (NSS) to provide an insurance package for National Service personnel, is a reward for the company because the owner was a financier of the governing New Patriotic Party (NPP).

A spokesman for Sun Life Assurance, one of Britain's large institutional investors, says no insurance company would allow dividends to slip, because customers would take their policies elsewhere.

Laboratories in Britain that conduct HIV tests for life insurance companies are running the risk of making errors because of the pressure to report results quickly.

In one sense, we are in a brave new world for both life insurance companies and the corporate bond market because the life insurance industry alone is not big enough to purchase all of the corporate bonds outstanding.

[3C] CGT relief is not available for a life insurance company because comparable relief is already available under Division 320 of the ITAA 1997.

Term life insurance would typically not work in this case because the coverage amount would be too small, the client would likely be uninsurable because of health issues, and the client's age would be outside the range a life insurance company would approve coverage for.

Having been a risk manager inside two life insurance companies, when I reviewed the documents, I was surprised, because they were so much less sophisticated than what life companies of a similar size did.

This may seem like a fast, easy way to get life insurance, but because the insurance company has no insight into your health condition, your premium will be much higher for the amount of coverage that you buy.

This means that the insurance company only had to pay out $ 300,000 at the time of your death, because you had accumulated $ 200,000 in cash value during the life of the policy.

So, if your company is the beneficiary, which is kind of the point of key person insurance, then the premiums are not deductible (similar to a personal life insurance contract) because the death benefit is not subject to taxation.

AIG is our favorite company for guaranteed issue whole life insurance because they also offer the option of accelerating the death benefit if you become ill.

However, this issue will be touched on again below because dividends paid by mutual whole life insurance companies are generally not deemed INCOME but rather a return of premiums.

Because key person insurance is simply life insurance that insures the company against the loss of a key business partner or key employee, the decision to purchase key person insurance necessitates some choices about the type of insurance that is most beneficial.

Investment returns on whole life insurance are typically lower than other types of permanent insurance, because the insurance company invests the cash value in extremely conservative vehicles, such as bond funds.

Because of its smaller size it does not make our list of top life insurance companies, but if it did come up as the most affordable carrier for one of our clients then we would have no problem recommending them.

If you purchase a policy and were paying a higher rate because of your job, but then change to a less hazardous one, you may ask the life insurance company for a reconsideration.

If you need a large amount of coverage, simplified issue life insurance isn't ideal for you because most life insurance companies cap the death benefit at $ 100,000 (some companies offer as high as $ 500,000.)

Well, stick around for awhile because in the following article covering the best whole life insurance companies we are going to cover the benefits of participating dividend - paying whole life insurance and dispel the lies surrounding this amazing insurance product.

However, some life insurance companies have recently begun offering «beginner» life insurance policies that are inexpensive, but only pay a death benefit if you die because of an accident.

While the insurance company does charge interest on your loan, because your remaining cash value continues to earn life insurance dividends, the adjusted interest rate on the loan can often be lower, sometimes much lower, than you would pay on a comparable personal loan from a bank, home equity line of credit, or by using a credit card.

Now annuities arent evil, but I think alot of people get in to them at the wrong time and under the wrong circumstances because of sales pressure from the insurance company to buy them (especially as part of a Life Insuranceinsurance company to buy them (especially as part of a Life InsuranceInsurance Policy).

Lincoln Financial Group is one of our favorite life insurance companies to work with, not only because they are cost effective, but they have extremely strong permanent life products.

Because you can receive guaranteed life insurance right up to the very end of your life, the insurance companies protect themselves in two ways.

And many more who don't have health insurance — or their insurance company refuses to pay — avoid bankruptcy only by consuming the family retirement fund in a good faith effort to repay medical debt, dooming themselves to poverty for the remainder of their lives, only because they got ill or injured.

Northwestern Mutual is the largest mutual life insurance company in the U.S., in part because of its outstanding service.

With life and annuity coverages, outside of life settlements, this risk to the insurance companies is small, because the actuaries expect the potential losses from the hidden knowledge of the insureds, and build it into pricing.

I can't be totally certain here, but I suggest that all major state insurance regulators should send Ben Bernanke, Tim Geithner, and Hank Paulson some really nice gifts, because had AIG's life companies failed, the state guaranty funds would have been hard pressed to come up with something north of $ 10 billion by surcharging the other insurance companies doing business in each state.

Merely because a life insurance company has an economic interest in not selling insurance to someone who might harm the insured, does not mean that the insurable interest argument relies on the self - interest of the insurer.

Sometimes the 13 best life insurance companies aren't the best priced or won't even take you because of a health complication.

Later in life whole life premiums, because they typically remain level, will actually be lower than the insurance costs of the company on an annual basis.

Insurance companies love whole life because it is not a commodity; they can come up with a large variety of variants, and that fact plus the fact that it combines insurance and investment means that is very difficult to compare Insurance companies love whole life because it is not a commodity; they can come up with a large variety of variants, and that fact plus the fact that it combines insurance and investment means that is very difficult to compare insurance and investment means that is very difficult to compare policies.

EquiTrust Life Insurance Company is considered to be stable financially, and because of that, the company has earned the following ratings from the insurer rating agCompany is considered to be stable financially, and because of that, the company has earned the following ratings from the insurer rating agcompany has earned the following ratings from the insurer rating agencies:

Because there are many possible permutations and complications that can come about as a result of blood clots or emboli, life insurance companies will decide whether to underwrite a term life insurance policy or not based on the individual details of each case.

This does not concern insurance companies because they base payments only on what the average life expectancy is for all of their policy holders.

However, these policies are not always cheaper than say, a 10 - year term policy, because the life insurance company has to recover all of it's costs right up front.

Because the chances of dying from smoking - related causes is so prevalent, many life insurance companies in the U.S. charger higher rates to compensate them for the added risk of extending a policy.

Variable life insurance policies are the most expensive because they build up a cash reserve that you can invest in any of the choices offered by the insurance company.

This is good news for those that may be considered to be uninsurable because of their medical history or some other predicament, because the life insurance company will still include them in the policy.

Single premium life insurance often offers the best return because you are handing over a large sum of money to the life insurance company up front.

Here's the shortest bottom line on all forms of annuities and all forms of whole life insurance: If you work in the life insurance business, either as an agent or an employee of a life company, or hold life insurance company stock; then annuities and whole life insurance are the greatest invention since the wheel (because they pay by far the most in immediate commissions of any financial product available today, making them by far the most profitable part of the life insurance company business model).

However, you'll see from our list that we tend to lean heavily in favor of mutual life insurance companies because we simply believe they are the best option for consumers in most cases.

Because we are only considering the top rated life insurance companies in the USA, we figured that financial stability and strength should be at the top of our list of criteria.

Variable Life is the most expensive type of permanent, cash value life insurance you can buy because it allows you to direct a portion of your premium into stocks, bonds or other «variables» in the company's portfoLife is the most expensive type of permanent, cash value life insurance you can buy because it allows you to direct a portion of your premium into stocks, bonds or other «variables» in the company's portfolife insurance you can buy because it allows you to direct a portion of your premium into stocks, bonds or other «variables» in the company's portfolio.

Now, I know that the life and mortgage insurance companies would have died, because of research I did in March and April of 2009.