Sentences with phrase «higher return on your cash value»

If that index performs well, you have an opportunity to earn a higher return on your cash value based on the IUL's participation rate and cap rate.

Sagicor's fixed indexed single premium whole life insurance policy can allow the policyholder to reposition certain low - interest producing assets such as CD's (certificates of deposit), or money markets — and possibly even a fixed annuity — and obtain the opportunity to earn a higher return on the cash value in the policy.

This product is designed for people like you seeking permanent coverage with the opportunity for higher return on cash value to supplement retirement income.

Not exact matches

Walker has his $ 50,000 campaign cash from the roadbuilders, explaining why he can not look fairly at the costs, value, return on investment and priority of building this first Wisconsin link of the national high speed rail system for Wisconsin.

Even if the return on that portfolio was 5 percent, the expected terminal value after 30 years would be $ 353,000, more than 65 percent higher than the cash - heavy portfolio.

On the opposite end are variable annuities which carry more risk of investment loss AND also may offer the opportunity for higher returns and cash value growth.

Just keep it simple, look for obvious situations that you can understand, and try to find businesses that will grow intrinsic value over time that produce stable free cash flow and high returns on capital that are available at cheap prices.

And our definition of intrinsic value is the recent value of all the future cash flows to be generated from a business, so to that end, we strive to invest in companies with high returns on equity number one, and number two, sustainable and predictable, above - average, long - term earnings growth rate.

Along with dividends, policy loans that are repaid will also add to the cash value of the policy and results in a higher rate of return on investment in the policy, and this is all part of the infinite banking concept or self banking strategy discussed in prior posts.

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 some exchange - traded funds (ETFs) have rates of return as high as 12 %, and even funds with lower interest rates will like still be a few points higher than the average interest rate on a cash value policy.

The cash value aspect typically doesn't provide as high a return as other investment vehicles, you're paying for a policy later in life when you likely don't need it, and you could be doing a lot with the extra money you're spending on the policy.

Since then, many companies have introduced either a second GUL policy that has a slightly higher premium, but in return the policy owner has cash surrender values that show a better internal rate of return on surrender than the additional premiums could earn in a risk - free investment outside of the policy.

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.

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.

However many are considering buying term life insurance at a lower rate and invest the difference on high - growth products like stocks and mutual funds where the returns are much higher than what you get as accumulated cash value on your whole life insurance.

This type of policy is geared more for someone with a higher risk tolerance because the returns on the cash value account can actually alter the death benefit payout.

Universal life plans will perform better in a higher interest rate environment and rates of return on the cash value will change on a yearly basis.

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 company's Indexed Universal Life — Global Choice, issued through Security Life of Denver Insurance Company, provides index crediting potential based on a formula that tracks the performance of a major indices, such as the S&P 500, potentially generating higher cash value accumulation than traditional whole life or universal life, but without the potential negative returns of variable life insurance.

Also, depending on how the interest rate in the cash value component will be credited, the rate of return on a universal life insurance policy is oftentimes higher than it is on a comparable whole life insurance plan.

Along with dividends, policy loans that are repaid will also add to the cash value of the policy and results in a higher rate of return on investment in the policy, and this is all part of the infinite banking concept or self banking strategy discussed in prior posts.

On the opposite end are variable annuities which carry more risk of investment loss AND also may offer the opportunity for higher returns and cash value growth.

Being able to decide on your investment products makes the potential rate of return in VL the highest, but it is also the riskiest, as death benefit amount and the cash value rise and fall depending on the performance of your chosen investments.

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.

In the first case, choosing investment options that perform well will means a higher return on the policy's cash value.

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.

Borrowing against your cash value also makes perfect sense if you have a high cash value and are presented with an investment opportunity that generates a higher return than the interest on your loan.