Sentences with phrase «higher guaranteed cash value»

The older the policy the higher the guaranteed cash value.

Moreover, with two identical whole life insurance policies, one with and one without a paid - up additional rider, the former would likely have a higher cash value and death benefit, while the latter would achieve a higher guaranteed cash value sooner.

Not exact matches

It's interesting to note that our nation's banks own billions of dollars of guaranteed, high - cash - value permanent life insurance — about $ 135 billion of it, according to the latest available statistics.

Assuris will guarantee up to $ 60,000 or 85 % of the promised cash value, whichever is higher.

High early cash values are based on the assumptions of current interest crediting rates and current charges which are not guaranteed, and are subject to change by the insurer, and assume the policy is optimally funded.

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Some carriers offer guaranteed universal life insurance options and adjust the amount of the premium higher while making the policy amount lower, so that in addition to offering a guaranteed death benefit, the policy almost immediately begins to generate a larger cash value.

Repaying the cash value in your policy allows it to exponentially grow, allowing more cash value, more guaranteed growth, more tax advantaged dividends, growing death benefit and essentially a compounding AND EVER EXPANDING SAFE BUCKET to provide greater means to pursue, higher risk, higher return investments... and the strategy compounds and grows and grows and compounds.

For example, a company may post a higher dividend rate and yet the illustrated guaranteed cash value accumulation may appear less favorable than another company.

Whole Life Legacy High Early Cash Value — life insurance coverage for life that is guaranteed paid up at age 85.

Policies that build cash value have their place, but if the main objective is to get the highest death benefit for the lowest possible cost then typically a universal life, or guaranteed universal life is the way to go.

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.

Often, secondary guarantees have to be limited or cut to make the policy attractive as an alternative investment or a high cash value policy.

Consider guaranteed universal life if you are more concerned about a death benefit and do not need high cash value growth.

The premium is set high enough for the company to guarantee a buildup of cash reserves, or cash value which will eventually equal the death benefit.

Unlike traditional term insurance, ROP policies build cash value and are a great alternative if you don't mind paying a little higher premium for the guarantee of all your premiums back if you outlive the level coverage period.

The second product is a cash value account that grow at either a guaranteed interest rate or the current rate whatever is higher.

Whole life insurance premiums are much higher because the coverage lasts for a lifetime, and the policy has cash value, with a guaranteed rate of investment return on a portion of the money that you pay.

If you are interested in using the cash value to purchase another policy with a higher guaranteed death benefit... let me know and I'll run some numbers for you.

A universal life contract provides access to cash value accumulation like that of a whole life policy; however, cash value within a universal life policy includes a guaranteed minimum interest rate plus an additional interest payment if and when the life insurance carrier experiences higher returns on its own investments.

Therefore, those who may have certain health issues could still qualify for this policy — and it could be a viable option if someone is looking for guaranteed death benefit protection, along with protection of cash value and possible higher growth.

Our top 10 best dividend paying whole life insurance companies have a solid track record for paying dividends, as we believe that this is key to providing a reliable expectation for guaranteed and potential high cash value growth.

The universal life policies offered by Ohio National provide a guaranteed 2.5 % interest rate on your cash value, although the actual historic interest rate offered has been higher.

The reason the premium payments are higher is because whole life insurance is guaranteed to build cash value at a certain rate, as long as all premium payments are made in a timely manner.

Whole Life Legacy High Early Cash Value — life insurance coverage for life that is guaranteed paid up at age 85.

The cash value builds from a portion of the premiums paid into the policy and has a guaranteed minimum rate of return on investment, similar to a savings account but with a higher interest rate.

The disadvantage is higher fees, and there are no guarantees regarding cash value.

This policy has cash values invested in a guaranteed - interest account; some rates [now] are as high as 4 %.

Announcer (voiceover): Allstate agencies offer four different Universal Life Policies, ranging from predictable cash value growth and guaranteed benefits to higher returns and more options.

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Higher of Guaranteed surrender value or Special surrender value will be paid to you as Cash Surrender Value, after deduction of any outstanding amount on the policy (Policy Loan or any amount payable against your policy) and TDS * (if applicavalue or Special surrender value will be paid to you as Cash Surrender Value, after deduction of any outstanding amount on the policy (Policy Loan or any amount payable against your policy) and TDS * (if applicavalue will be paid to you as Cash Surrender Value, after deduction of any outstanding amount on the policy (Policy Loan or any amount payable against your policy) and TDS * (if applicaValue, after deduction of any outstanding amount on the policy (Policy Loan or any amount payable against your policy) and TDS * (if applicable).

The Cash Value of the Death Benefit is higher of 105 % of all premiums paid or 10 times of the annualized premium or present value of the guaranteed payValue of the Death Benefit is higher of 105 % of all premiums paid or 10 times of the annualized premium or present value of the guaranteed payvalue of the guaranteed payouts.

Note that while the cash value may be much higher due to the return on investment, you are usually guaranteed a minimum payout regardless of how well the investments perform.

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If you hit the floor, even a.25 % floor, and your internal expenses are higher than the small guarantee, you will see a loss in your cash values.