Sentences with phrase «benefit than a guaranteed»

With multiple life insurance carriers providing coverage it can significantly improve your chance at securing a policy with a much higher death benefit than a Guaranteed Issue policy.

Not exact matches

The consumer will incur a surrender charge, be subject to the commencement of a new surrender period, lose existing benefits (such as a higher crediting guarantee than is currently available, as well as death, living or other contractual benefits), or be subject to increased fees, investment advisory fees or charges for riders and similar product enhancements;

Owners of fixed indexed annuities (FIAs) with guaranteed living income benefit (GLIB) riders are much less likely to surrender their contracts than they were 10 years ago, according to new research based on 3.3 million policyholders.

Because there is no living benefit guarantee, she said she finds the product easier to explain than variable annuities with living benefit guarantees.

And life insurance policies with limited underwriting, such as simplified issue or guaranteed acceptance policies, regularly restrict death benefits to be less than $ 100,000 to $ 250,000.

However, permanent life insurance solutions that focus on providing lifetime guaranteed death benefits, such as these, are typically less expensive than other types of permanent life insurance that emphasize savings opportunities.

Contracts with a lifetime benefit rider have much lower surrender rates than those with other types of guarantees.

Much of this growth came from consumers buying FIAs with guaranteed living withdrawal benefits (GLWBs), some with benefit base rollups as high as 8 or 9 percent and withdrawal rates greater than those in variable annuities, the report said.

Similarly, guaranteed acceptance whole life insurance offers the ability to skip detailed health questions and the medical exam, but premiums will be even higher and the death benefit will be limited (typically less than $ 100,000).

Some folks have no pensions; some have a defined contribution plan, which depends on the market; others, including most public employees and more than half of the private - sector ones have a defined benefits plan — you get a guaranteed pension based upon years of service.

Withdrawals will reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal.

This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Value.

As a matter of fact, health benefits are much more guaranteed and improved when EB endures into the first six months than with partial breastfeeding [2][10].

In at least 178 countries around the world, paid leave is guaranteed for working moms, while more than 50 countries provide wage benefits for fathers, according to the ILO.

Prosecutors on Thursday afternoon wrapped up 10 weeks of testimony and arguments in Central Islip, where they sought to make the case that the one - time elected officials accepted an illegal stream of benefits from restaurateur Harendra Singh and, in exchange, abused their public positions to get him two county contracts and more than $ 20 million in town - guaranteed loans.

The new system will carry a guarantee that anyone taking a job will be better off than if they were on the dole, with claimants allowed to keep more of their benefits when they enter work or increase their hours.

In return for the continuing illegal benefits, the defendants were involved in orchestrating a complex method to get Singh more than $ 20 million in indirect government loan guarantees from the Town of Oyster Bay, according to Eastern District federal prosecutors in court papers.

Although clinical trials offer no guarantees, physicians have a strong belief that the study drug or cancer treatment will provide benefits equal to or better than the current standard therapies.

Ashley madison also offers more than one unique features and benefits if you want find someone guarantee then follow some conditons first buy most expensive package, send more expensive emails to 19 member each month of three months, send 4 gifts per month, and engage in 56 minutes of paid chat per month.

The Gold membership on the other hand comes with all the benefits of silver membership, plus a A benefit of a topping of all listings and searches to enable your profile to be seen by even more members.You also get to email free members, who can also reply back.The membership allows you a seven - day trial at $ 9.95, and then $ 34.95 monthly.Both memberships come with a Three - Month Guarantee, within which period if you do not find your match, the site gives you an extra free 3 month period to access their services.Payment types and methods accepted in the site include phone, credit and debit cards.Rates for women who use the site are usually lower than that of the men.

All of this virtually guarantees shortages, or recruitment difficulties, in some fields and schools at some time, even if the overall level of resources for pay and benefits in the district are more than adequate.

The new cash balance plan is technically a defined benefit plan, but rather than defining the amount teachers receive through a back - loaded formula, each teacher will receive a guaranteed return on his or her contributions.

In general, unless otherwise exempt, the following three criteria must be met in order for non-classroom based charters to be guaranteed full funding levels: (1) at least 80 percent of total revenues must be spent on instruction or classroom support, (2) at least 50 percent of public revenues must be spent on certificated staff salaries and benefits, and (3) the pupil - teacher ratio must be equal to or lower than the pupil - teacher ratio in the largest unified school district in the county or counties in which the school operates or the school must maintain a minimum of 25:1 ratio.

The cash balance would guarantee all teachers a pre-determined rate of return — 5 percent in this example — and provide a steady accrual of retirement benefits rather than the current back - loaded system.

In addition to these benefits, youll also enjoy: Our Price Protection Guarantee More than 4,000 new Honda models in stock A 15 - minute purchase option guarantee Finance options from over 20 lenders Internet Direct Pricing Guarantee More than 4,000 new Honda models in stock A 15 - minute purchase option guarantee Finance options from over 20 lenders Internet Direct Pricing guarantee Finance options from over 20 lenders Internet Direct Pricing And more!

And life insurance policies with limited underwriting, such as simplified issue or guaranteed acceptance policies, regularly restrict death benefits to be less than $ 100,000 to $ 250,000.

Since the insurer is guaranteed to pay a death benefit to your beneficiaries so long as all premiums are paid, permanent life insurance rates are significantly higher than those for term life insurance.

To do that, you'll want to go through a rigorous retirement - income planning process that starts with thinking seriously about how you'll live in retirement and then moves on to such tasks as making a retirement budget; assessing different strategies for claiming Social Security benefits; considering whether you want more guaranteed income than Social Security alone offers (which is where an annuity might play a role); and, settling on a withdrawal rate that has a reasonable shot at making your savings last as long as you do.

Withdrawals may reduce death benefit and any optional guaranteed amounts in an amount more than the amount of the withdrawal.

Withdrawals may reduce death benefit and reduce any optional guaranteed amounts in an amount more than the amount of the withdrawal.

A typical couple with no savings might expect $ 32,000 in combined federal benefits, so the reverse mortgage would increase their cash flow by almost 20 % to more than $ 38,000, which they can enjoy tax - free and without impacting their Guaranteed Income Supplement entitlement.

Term life insurance allows you to leverage a relatively small monthly premium for a large guaranteed death benefit with a lower initial cost than permanent life insurance.

Similarly, guaranteed acceptance whole life insurance offers the ability to skip detailed health questions and the medical exam, but premiums will be even higher and the death benefit will be limited (typically less than $ 100,000).

What is the benefit of the Interest Plus + annuity over other guaranteed fixed rate annuities?The Interest Plus + annuity is designed for the consumer who desires a higher - than - average rate of return, but with the ability to access funds for any reason or amount — without incurring an excessive surrender charge.

3 To be eligible for the CoverMe Guaranteed Issue Life insurance Living Benefit, you must be less than 83 years of age and your policy must be in effect for at least two years.

Horizon Guarantee focuses more on permanent death benefit protection, rather than early cash value growth.

Death benefits for guaranteed acceptance policies are generally limited to less than $ 25,000.

This historic benefit program has guaranteed more than 22 million VA loans to help veterans, active duty military members and their families purchase homes or refinance their mortgages.

Owners of fixed indexed annuities (FIAs) with guaranteed living income benefit (GLIB) riders are much less likely to surrender their contracts than they were 10 years ago, according to new research based on 3.3 million policyholders.

With whole life insurance, the guaranteed annual rate of return is lower than you might get with alternative investments, but you may want your child to have a death benefit as well.

Mutual of Omaha offers convertible term life insurance which allows you to have a large guaranteed death benefit for a lower initial cost than permanent coverage.

Lafayette Life offers convertible term life insurance which allows you to have a large guaranteed death benefit for a lower initial cost than whole life insurance.

Keystone Term life insurance allows you to leverage a relatively small monthly premium for a large guaranteed death benefit with a lower initial cost than permanent life insurance.

But our reader, who can look forward to a guaranteed pension of more than $ 4,000 a month in retirement — as well as Canada Pension Plan and Old Age Security benefits — likely has an unlimited capacity for risk with his personal savings.

«In contrast, defined benefit (DB) and defined contribution (DC) plan annuitants believe they are more financially secure because of their annuity than their friends and neighbors who don't have guaranteed income from an annuity (58 %), and a nearly equal percentage believe they are more confident in their financial decisionmaking (56 %).»

Term life insurance allows you to have a large guaranteed death benefit for a lower initial cost than whole life insurance.

2 The adjusted total premium is the initial single premium plus any underwritten increases, less any partial surrenders and any applicable surrender charges in excess of policy gain and any loans and accrued loan interest, The death benefit guarantee will not apply if the sum of any outstanding loans plus accrued loan interest is greater than the policy's cash value, The death benefit guarantee will not apply if the sum of any outstanding loans plus accrued loan interest is greater than the policy's cash value.

This is really more of a clarification than an objection, given the fact that paying the premium buys you a product... a guaranteed return on investment, death benefit, dividends, etc..

Guaranteed policies cost more per benefit dollar than traditional «final expense» policies.

A note of caution: if you miss a scheduled premium or pay less than the total premium due, you may lose the guaranteed death benefit.