Sentences with phrase «guarantees a minimum interest rate in»

The insurance company also guarantees a minimum interest rate in fixed indexed annuities.

Not exact matches

Here are just a few of the guaranteed benefits of federal loans: low, fixed interest rates; in - school and hardship deferment opportunities; loan forgiveness options; income - driven repayment plans; no prepayment penalties; and no minimum credit score requirement.

Here are just a few of the guaranteed benefits of federal loans: low, fixed interest rates; in - school and hardship deferment opportunities; loan forgiveness options; income - driven repayment plans; no prepayment penalties; and no minimum credit score requirement.

GOLD SERIES SAGE CHOICE SINGLE PREMIUM DEFERRED ANNUITY — PRODUCT OVERVIEW 6 Year Single Premium Deferred Annuity Issue Ages: 15 days — 90 years (age last birthday) Minimum Premium — $ 2,000 Maximum Premium — $ 500,000 per Owner Free Withdrawal Provision («Bailout Feature»): Included in the Contract Guaranteed Minimum Interest Rate: 2 % for the first 10 years and 3 % thereafter Contract Loan — Not Available for this product Free - Look Period — 30 days Death Benefit: Accumulation Value on the date of the Owner's death.

Other highlights of the Guaranteed Account for 457 (b) and 403 (b) plans include complete guarantees of principal and interest (not found in all stable value accounts); rates declared in advance semiannually with a 1 % minimum rate guarantee; full liquidity (participants can transfer into and out of this account without restrictions or penalties); and an option to convert to guaranteed lifetime income at rGuaranteed Account for 457 (b) and 403 (b) plans include complete guarantees of principal and interest (not found in all stable value accounts); rates declared in advance semiannually with a 1 % minimum rate guarantee; full liquidity (participants can transfer into and out of this account without restrictions or penalties); and an option to convert to guaranteed lifetime income at rguaranteed lifetime income at retirement.

Bonds purchased in this time earned interest on a graduated scale for 5 years and then started earning interest at either guaranteed minimum rates or market - based rates, whichever is higher.

Issued 1980 through April 1995 - Bonds purchased in this time earned interest on a graduated scale for 5 years and then started earning interest at either guaranteed minimum rates or market - based rates, whichever is higher.

Projecting future wealth and known future income streams can be a good starting point for estimating a future marginal tax rate (e.g., what will tax rates be for the retiree who already has Social Security benefits, portfolio interest and dividends, real estate or other passive income sources, and / or Required Minimum Distributions [RMDs]-RRB-, but clearly some uncertainty remains, not the least because Congress could just outright change the tax laws between now and then (although even higher tax rates in the future is not a guarantee that Roth conversions are a good idea today!).

The cash value portion also allows you to earn a minimum guaranteed rate of interest along with receiving a higher rate of interest in certain scenarios, the most common of which, when the S&P 500 goes up, in the example of an equity indexed UL.

Your money earns a renewal rate of interest guaranteed to never be less than the minimum rate established in the year of issue.

GOLD SERIES SAGE CHOICE SINGLE PREMIUM DEFERRED ANNUITY — PRODUCT OVERVIEW 6 Year Single Premium Deferred Annuity Issue Ages: 15 days — 90 years (age last birthday) Minimum Premium — $ 2,000 Maximum Premium — $ 500,000 per Owner Free Withdrawal Provision («Bailout Feature»): Included in the Contract Guaranteed Minimum Interest Rate: 2 % for the first 10 years and 3 % thereafter Contract Loan — Not Available for this product Free - Look Period — 30 days Death Benefit: Accumulation Value on the date of the Owner's death.

The Guaranteed Minimum Interest Rate (GMIR) is 0.05 % (except in New York where it is 1 %).

Index UL participation in the index may have a cap, margin, or other participation modifier, as well as a minimum guaranteed interest rate.

The Guaranteed Minimum Interest Rate (GMIR) is 0.05 %, except in NY, where it is 1 %.

Ask your agent (or any agent) for an «in force ledger» based on current mortality charges and guaranteed minimum interest rates.

Instead, you'll receive a guaranteed interest rate for the period you select — and that rate will never be less than the guaranteed minimum interest in your annuity contract.

As opposed to a fixed annuity that offers a guaranteed interest rate and a minimum payment at annuitization, variable annuities offer investors the opportunity to generate higher rates of returns by investing in equity and bond subaccounts.

A deferred annuity is a contract between an individual and a life insurance company in which funds are exchanged for a promise to provide a competitive rate of interest with a minimum interest rate guarantee.

The policy gets a share of profits arising from the «participating insurance businesses» in the form of Minimum Guaranteed Bonus interest rate, Regular Bonus interest rate, residual additions and Terminal Bonuses, if any.

With Indexed UL, your money is never actually invested in the market, and you're protected with a guaranteed minimum interest rate

In extended low - interest rate environments, minimum interest guarantees of 2 % applied to premiums paid may not be sufficient to cover policy costs.

The guaranteed column (a worst case scenario) illustrates how long the policy would stay in force if the insurer charged the maximum fees and paid the minimum interest or dividend crediting rate.

In today's low interest rate environment, these policies only earn the minimum guaranteed rate and many are lapsing or the owners, often retirees, are forced to pay significantly higher premiums to keep the coverage.

The proceeds after addition of minimum guaranteed interest rate of 4 % p.a or as stipulated by IRDAI is payable after the end of the lock - in period.

The proceeds after addition of interest subject to a minimum guaranteed interest rate as stipulated by IRDAI is payable after the end of the lock - in period.

However, because IUL policies have guaranteed minimum interest crediting rates while typically VL and VUL policies do not, in down markets the IUL generally will outperform the VL and VUL.

The excess income earned in the Discontinuance Policy Fund over and above the minimum guaranteed interest rate shall also be apportioned to the Discontinuance Policy Fund in arriving at the proceeds of the discontinued policies and shall not be made available to the Company.

Upon surrendering the policy with - in the lock - in period of 5 years and on complete withdrawal from the policy, the fund value is credited to the «Discontinued Policy Fund» and it is refunded upon completion of lock - in period, subject to minimum guaranteed interest rate of 4 % p.a..

The proceeds after addition of minimum guaranteed interest rate as stipulated by IRDAI is payable after the end of the lock - in period.

Upon surrendering the policy with - in the lock - in period of 5 years and on complete withdrawal from the policy, the fund value after deducting discontinuance charges is credited to the «Discontinued Policy Fund» and it is refunded upon completion of lock - in period, subject to minimum guaranteed interest rate of 4 % p.a.. Upon surrendering the policy after the lock - in period of 5 years and on complete withdrawal from the policy, the total fund value as on the date of surrender is payable and the policy then terminates.

The proceeds after addition of interest subject to minimum guaranteed interest rate is payable after the end of the lock - in period.

The proceeds after addition of 4 % minimum guaranteed interest rate is payable after the end of the lock - in period.

The interest rate payable on the fund is guaranteed to equal or exceed a specified minimum (historically about 4 to 6 percent, but in the past decade of low market interest rates, considerably lower), but most companies have historically credited rates higher than the guaranteed minimum.

Although policyowners must pay interest on policy loans, cash values continue to grow and as the insurance company credits at least the minimum guaranteed rate in the policy.

Because insurance companies must guarantee death benefits and a minimum schedule of cash values in most policies (except variable life policies), they must be conservative when estimating the values of the various premium pricing factors (interest, mortality, expenses, lapse rates, and risk loading factors) used to compute the required premiums under any particular premium payment plan of insurance.

So long as you don't advertsie, meet your accredited investors through other relationships, keep active capital investors below the current minimum, don't provide written guarantees or even suggesting a specific return beyond interest rates, never use all your sources in the same deal and have agreements that they will take other investors out with notice, then I'd say you will be fine.