If you are looking for a very safe and stable product, whole life and universal life
offer guaranteed minimum returns on investment, while a universal policy lets you alter your death benefits and premium payments if you need more flexibility.
If you are looking for a very safe and stable product, whole life and universal life offer
guaranteed minimum returns on investment, while a universal policy lets you alter your death benefits and premium payments if you need more flexibility.
Their objective is to generate a stable yield while preserving investor principal by being «wrapped» with insurance contracts to
guarantee a minimum return.
Some annuities offer
you a guaranteed minimum return.
An index annuity is almost the same as Indexed Universal Life, except the equity - index annuity is an investment with
a guaranteed minimum return, with sometimes a higher return that is a function of the gain in the stock market, but is not associated with a life insurance policy.
An adviser tells you about an investment that offers the upside of the stock market but also promises
a guaranteed minimum return to protect you against market setbacks.
Every investment varies —
some guarantee a minimum return, some don't.
Sometimes there's
a guaranteed minimum return, sometimes not.
For an additional cost, some variable annuities will
guarantee a minimum return.
Swiss annuities have
a guaranteed minimum return.
Sometimes you can even work out a GIC with
a guaranteed minimum return.
So, if the option premiums paid are cumulatively greater than
the guaranteed minimum return, the product should return more than the minimum on average — but likely not much more on average.
The indexed universal life policies that we recommend are not only protected against this type of loss, they have
a guaranteed minimum return that you can rely on.
While whole life insurance has
a guaranteed minimum return, there are also high fees involved which can eat into any gains you make.