Sentences with phrase «coverage amount over time»

What this means is that the policy will decrease in the coverage amount over time.

Universal Life Insurance is protection that offers payment flexibility and the ability to adjust the coverage amount over time.

These policies decrease in the coverage amount over time and at the end of the policy you will have little to no coverage.

Not exact matches

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

So, if your financial situation changes over time and you want a greater amount of coverage, you would be able to increase your policy's death benefit without demonstrating your insurability.

In the early years of coverage, fees and the cost of insurance use up the majority of your premium but, over time, an increasing amount is contributed towards the cash value.

When you purchase this insurance policy, you are insured for a defined amount of coverage, at a fixed premium, over a specific period of time (10, 15, 20, or 30 years).

A great benefit of paying over a limited time is that you invest a greater amount in the cash value portion of the policy early on, meaning you earn higher returns over the length of coverage.

While the initial premium on term life coverage is less than a comparable amount of permanent coverage, over time term life insurance premiums can become quite high.

Should your insurance needs change over time, Variable Universal Life usually provides the flexibility to increase or decrease your amount of coverage.

Should your insurance needs change over time, Variable Universal Life usually provides the flexibility to increase or decrease your amount of coverage.

Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

These policies not only have a coverage amount they also have a cash value that grow over time.

Realize that your coverage amount or term length for term life insurance needs may change over time as your life evolves.

If the child is eligible, at the end of the term period, the benefit may be able to be converted over into a qualified permanent life insurance policy, with a benefit that is up to 5 times the original amount of the term coverage — regardless of the child / insured's health.

Because of the typically higher premium cost and the smaller amount of coverage, you could end up paying more for your premiums over time than your beneficiary will see in the resulting death benefits.

With decreasing term insurance, you purchase a specified amount of life insurance at guaranteed level rate and the insurance coverage reduces over time.

While the initial premium on term life coverage is typically less than a comparable amount of permanent coverage, over time term life insurance premiums can become quite high.

While the premium for permanent life insurance may initially be higher than that of term life coverage, in most cases, the amount due will not increase over time — regardless of how long the insured keeps the policy.

People who have a serious health problem may receive a policy with a «graded death benefit,» which means the coverage amount increases over time and your beneficiaries won't receive the full face value if you die within the first few years of the policy.

Additional Deposit Privilege With some whole life insurance products, additional deposit privilege will allow you to increase your amount of coverage over time.

The Gerber Life Grow - Up ® Plan builds cash value over time, and automatically doubles the coverage amount when your child is 18 — at no extra cost.

Level term life insurance policies provide a fixed amount of coverage over a specific period of time.

Graded Death Benefit Life Insurance is a type of life insurance policy that provides a limited amount of life insurance to begin with, and over time the amount of life insurance coverage will increase, either gradually before leveling off, or sharply before it becomes level.

Regardless of a policy's medical exam requirements, the most important criteria is whether it can provide the amount of coverage over time that will meet your family's changing needs.

You can even layer multiple term life policies to provide different amounts of coverage over time periods where your needs may change.

Therefore, while the amount of a permanent life insurance policy's premium may start out higher than that of a comparable amount of term coverage initially, over time a permanent policy's premium could end up to be less.

Level term insurance is more popular for mortgage payoff death insurance protection because it offers more affordable pricing and your coverage amount provided by the policy does not decrease over time.

How much coverage do you need — and will this amount be sufficient over time, or will your coverage needs grow as your life changes?

If the child is eligible at the end of the term, the benefit may be converted over to a qualified permanent life insurance policy — for up to 5 times the original amount of coverage — regardless of the child's current health condition.

Remember, if you expect your coverage needs to change over time, find out upfront whether or not the life insurance company will allow you to change your coverage amount, and ask about any restrictions that may apply.

During this term of coverage, the premium will typically remain the same over time, and the amount of the death benefit will remain level.

... BUT it's a very expensive option, AND you must continue to pay the same premium for the full amount of coverage as you will pay once the death benefit has been reduced over time.

As a form of permanent coverage, universal life policies provide a guaranteed tax - free death benefit to policyholder beneficiaries based on the amount of premiums paid over time.

The Ladder Strategy is a method of combining separate term life insurance policies in a way that decreases your coverage over time — saving you money now in a way that still ensures you and your loved ones will have the right amount of coverage in the long term.

Typically, the amount of coverage will decrease over time, which corresponds to a reducing need for coverage.

At Life Ant we recommend that our clients who do not want to commit large amounts of their financial resources to life insurance examine quotes for decreasing coverage policies because this may provide such substantial savings over time.

Typically, the amount of the premium that you are charged for this type of coverage will be guaranteed not to increase over time — even in light of increasing age and / or the contracting of an adverse health condition.

The face amount of coverage on a whole life insurance policy will also usually stay the same over time.

An endowment plan is a life insurance policy that provides life coverage along with an opportunity to save regularly over a specific period of time so that they can receive a lump - sum amount on the maturity of the policy.

Here, the amount of the insurance coverage will decrease as the amount of the unpaid balance is reduced over time.

Another advantage of life insurance is that the coverage amount can be increased over time.

Level term life insurance policies provide a fixed amount of coverage with premiums that remain the same over a certain period of time, usually 5 to 10 year increments.

The amount of life insurance coverage can remain constant or decline over time.

Generally, with a term policy, you select the length of time and amount of coverage, and your payments remain the same over time.

The main advantage of whole life insurance coverage is that it forces the policyholder to save a certain amount of money every year, which grows over time and can serve as collateral to secure loans.

In the early years of coverage, fees and the cost of insurance use up the majority of your premium but, over time, an increasing amount is contributed towards the cash value.

A great benefit of paying over a limited time is that you invest a greater amount in the cash value portion of the policy early on, meaning you earn higher returns over the length of coverage.

For an older vehicle over time, the cost of collision coverage can exceed the amount you would receive if the car were totaled.

Property usually appreciates over time and the amount of coverage on your home may have to be increased to reflect the market value in the area where you live.