Sentences with phrase «guaranteed by the insurance company»

This is different to an SPIA where the income you receive is guaranteed by the insurance company.

If it falls, you get a minimum return, guaranteed by the insurance company that issued the product.

They typically give you some index upside and some downside protection (guaranteed by the insurance company).

The cash value builds by deferring a portion of your premiums, and depending on the type of coverage you buy, is invested in securities or grows at a fixed rate guaranteed by the insurance company.

Additionally, with ROP term, the cash values are contractually guaranteed by the insurance company and a specific cash value schedule is included in your actual policy.

A fixed deferred annuity provides a fixed rate of return which is guaranteed by the insurance company.

Think of this value as the minimum performance of the policy as guaranteed by the insurance company in a worst case scenario.

Income payments are guaranteed by the insurance company, but subject to the company's claims paying ability.

Either way, your monetary value is guaranteed by the insurance company.

The money you invest earns a fixed rate of interest that is guaranteed by the insurance company.

Contrary to loading, the premium which is guaranteed by the insurance company can not be changed at a later date.

The vast majority of traditional universal life insurance policies do not earn more than the interest rate guaranteed by the insurance company.

Limited payment designs are not guaranteed by insurance companies.

Not exact matches

Annuities are insurance contracts whose payments are guaranteed by the company issuing the contract.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Fixed Insurance and Annuity product guarantees are subject to the claims ‐ paying ability of the issuing company and are not offered by Retirement Wealth Advisors.

Guaranteed Acceptance Life Insurance (GALI)(Policy Form NY - GIWL2112PMM) is a level premium, non-participating permanent life insurance policy and is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 - 0001, in Insurance (GALI)(Policy Form NY - GIWL2112PMM) is a level premium, non-participating permanent life insurance policy and is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 - 0001, in insurance policy and is issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 - 0001, in Insurance Company (MassMutual), Springfield, MA 01111 - 0001, in New York.

Principal and interest are guaranteed by the financial strength of the insurance company that issues it.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

It guarantees insurance by having numerous lawyers there to read insurance contracts, protect Intended Parents and Surrogates from insurance company refusals to pay and being backed up by Lloyds of London due to its long history of success.

Although many insurance companies do cover lactation care, I can not guarantee my services will be covered by your company.

It is worth noting that while people under age 65 in the U.S. live in a heavily market - dominated economy where poor employment outcomes mean poverty and a lack of access to health care, almost everyone over age 65 has most of their healthcare paid for by Medicare, (a FICA tax financed, single payer system that pays providers more or less the same rates as private insurance companies and has few cost controls), more than half of their nursing home costs paid by Medicaid, (which is stingy in how much it pays providers and moderately means tested), and receives enough of a guaranteed income from the combination of Social Security and SSI payments to keep the poverty rate for people age 65 +, (even if they have no retirement savings of their own), above the poverty line, regardless of the state of the local economy.

«Such an institution should also present a financial guarantee being provided by a Bank, an Insurance Company, and a Church, among others, to ensure completion of enrolled...

The measures, taken via emergency regulations, will include requiring any private company doing business on the state's insurance marketplace to guarantee the 10 «essential health benefits» required by President Barack Obama's signature 2010 health care law.

The annuity is a guaranteed amount paid out by the life insurance company.

All contract guarantees, including optional living and death benefit riders and annuity payout rates, are backed by the claims - paying ability and financial strength of issuing insurance company.

They are not backed by the broker / dealer from which an annuity is purchased, by the insurance agency where an annuity is purchased, or any affiliates to those entities, and none makes any representations or guarantees regarding the claims - paying ability and financial strength of the issuing insurance company.

You may also be offered the choice of buying an annuity, a product sold by life insurance companies that provides guaranteed income for life in exchange for a lump sum.

MYGAs are issued by insurance companies instead of banks and typically offer higher guaranteed interest rates, as well as the ability to be converted into a lifelong stream of income.

Brighthouse Guaranteed Level Term is issued by Brighthouse Life Insurance Company on Policy Form 5E -23-12 and in New York only by Brighthouse Life Insurance Company of NY on Policy Form 1E -23-12-NY.

The crediting / rate of growth of the contract is typically set annually by the insurnce company issuing the contract and the contract is guaranteed by the underlying insurance company.

FGIC and other bond insurance companies have been hobbled by their expansion into guaranteeing risky collateralized debt obligations (CDOs) and asset backed bonds, markets that have been hammered by rising mortgage losses.

Guarantees are backed by the claims - paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.

A Multi-Year Guaranteed Annuity, or MYGA, is essentially a Certificate of Deposit (CD) sold by an insurance company.

Investments in CHET Advisor are not guaranteed or insured by the State of Connecticut, the Connecticut Higher Education Trust Program, the Connecticut State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Fixed annuities are tax - deferred * retirement vehicles issued by insurance companies that grow at a guaranteed rate and offer you the opportunity to turn some or all of your savings into guaranteed income payments for life, or for a set period.

They are not backed by the broker / dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims - paying ability and financial strength of the issuing insurance company.

The Vanguard Variable Annuity is issued and guaranteed by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial Life Insurance Company.

The Brighthouse Guaranteed Income BuilderSM is issued by Brighthouse Life Insurance Company on Policy Form 6 -1000-1 (05/14); 11225 North Community House Road, Charlotte, NC 28277.

* Guarantees are backed by the claims - paying ability of the issuing insurance company and do not apply to the principal amount or investment performance of a variable annuity's separate account or its underlying investments.

This rate will likely be lower than the initial guaranteed rate and will reset weekly, monthly, or quarterly by the insurance company.

Fixed Insurance and Annuity product guarantees are subject to the claims ‐ paying ability of the issuing company and are not offered by Retirement Wealth Advisors.

Variable annuities are long - term, tax - deferred investments issued by insurance companies that offer a unique combination of growth potential and guarantees † designed to help you pursue your retirement and investing goals.

Guarantees provided are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC.

If you live in an area that is frequently hit by major storms, ask you insurance company about an extended or guaranteed replacement cost policy.

And those insurance policies are provided by, predominately by CMHC, a company called Gen Worth or Canada Guarantee.

Principal Protected Notes (PPN) are a product offered by banks and insurance companies that allow you to participate (to an extent) in the risky stock markets while your initial investment is guaranteed to be repaid in (say) five or ten years.

Guarantees are backed by the claims - paying ability of Jackson National Life Insurance Company.

Your cash value accumulates inside your policy at a rate guaranteed by the life insurance company.

The Louisiana State and Adams County Industrial Revenue Bonds are backed by Guaranteed Investment Contracts, or GICs, issued by Executive Life Insurance Company of California («Executive Life»).