Sentences with phrase «in first few year of the policy»

The cash value generally grows slowly in the first few years of the policy then experiences more significant growth later.

Paying the max life insurance premium allowed in the first few years of a policy will really tilt the policy in your favor for the life of the product.

In the first few years of your policy, a very small percentage of your premium goes into the savings account while the rest is used to pay for upfront costs like administrative fees and the agent's commission.

Some insurance contracts only allow «conversion» in the first few years of the policy, while others allow it at any point during the term.

Some insurance contracts only allow «conversion» in the first few years of the policy, while others allow it at any point during the term.

The cash value generally grows slowly in the first few years of the policy then experiences more significant growth later.

Finally, commissions slow the accumulation of cash value in permanent life insurance policies, especially in the first few years of the policy.

In the first few years of your policy, a very small percentage of your premium goes into the savings account while the rest is used to pay for upfront costs like administrative fees and the agent's commission.

Essentially, if the insured were to die in the first few years of the policy, the policy's beneficiary would receive all the premiums that were paid, plus earned interest, but the beneficiary would not receive the policy's death benefit until the waiting period has ended.

This valuable feature is usually available in the first few years of the policy, and allows you to convert to permanent insurance without submitting evidence of insurability.

Graded - death benefit: This type of whole life insurance pays out a limited death benefit in the first few years of the policy.

These guaranteed policies offer death benefits that accumulate over time and are generally low or non-available in the first few years of the policy.

That means the premium amount you start to pay in the first few years of the policy may hike up based on calculations in line with market scenarios.

Two, there is a pre-existing waiting period in the plan which would exclude coverage of pre-existing disease in the first few years of the policy.

But yes if you die in first few year of the policy then its a huge benefit for your kids.

Not exact matches

«International investors have embraced the positive changes in the accessibility of the China A shares market over the last few years and now all conditions are set for MSCI to proceed with the first step of the inclusion,» Remy Briand, MSCI Managing Director and Chairman of the MSCI Index Policy Committee, said in a release.

Many businesses initially opposed the first state paid sick days law in Connecticut, yet within a few years a survey showed... that an overwhelming majority of businesses reported only small or no effects on their bottom line, and three - quarters now report being supportive of the new policy.

The first policy would likely have significant costs as a result of fewer firms paying the mandate penalty, and the second policy was estimated in 2015 to cost $ 53 billion over ten years.

Nothing like one underachiever blowing smoke up the ass of another... we know that Ozil has some incredible technical gifts, but to be considered the best you have to bring more than just assists to the table... for me, a top player has to possess a more well - rounded game, which doesn't mean they need to be a beast on both ends of the pitch, but they must have the ability to take their game to another level when it matters most... although he amassed some record - like stats early on, it set the bar too high, so when people expected him to duplicate those numbers each year the pressure seemed to get the best of our soft - spoken star... obviously that's not an excuse for what has happened in the meantime, but it's important to make note of a few things: (1) his best year was a transition year for many of the traditionally dominant teams in the EPL, so that clearly made the numbers appear better than they actually were and (2) Wenger's system, or lack thereof, didn't do him any favours; by playing him out of position and by not acquiring world - class striker and / or right - side forward that would best fit an Ozil - centered offensive scheme certainly hurt his chances to repeat his earlier peformances, (3) the loss of Cazorla, who took a lot of pressure off Ozil in the midfield and was highly efficient when it came to getting him the ball in space, negatively impacted his effectiveness and (4) he likewise missed a good chunk of games and frankly never looked himself when he eventually returned to the field... overall the Ozil experiment has had mixed reviews and rightfully so, but I do have some empathy for the man because he has always carried himself the same way, whether for Real or the German National team, yet he has only suffered any lengthy down periods with Arsenal... to me that goes directly to this club's inability to surround him with the necessary players to succeed, especially for someone who is a pass first type of player; as such, this simply highlights our club's ineffective and antiquated transfer policies... frankly I'm disappointed in both Ozil and our management team for not stepping up when it counted because they had a chance to do something special, but they didn't have it in them... there is no one that better exemplifies our recent history than Ozil, brief moments of greatness undercut by long periods of disappointing play, only made worse by his mopey posturing like a younger slightly less awkward Wenger... what a terribly waste

Picture this, we don't come out of the gate firing on all cylinders, Wenger speaks of how there wasn't enough time for the first - teamers to build chemistry, several key players aren't even playing because of Wenger's utterly ridiculous policy regarding players who played in the Confed Cup or the under21s and the boo - birds have returned in full flight... if these things were to happen, which is quite possible considering the Groundhog Day mentality of this club, how long do you think it will take for Wenger to recant his earlier statements regarding Europa... I would suggest that it's these sorts of comments from Wenger which are often his undoing... why would any manager worth his weight in salt make such a definitive statement before the season has even started... why would any manager who fashions himself an educated man make such pronouncements before even knowing what his starting 11 will be come Friday, let alone on September 1st... why would any manager who has a tenuous relationship with a great many supporters offer up such a potentially contentious talking point considering how many times his own words have come back to bite him in the ass... I think he does this because he doesn't care what you or I think, in fact he's more than slightly infuriated by the very idea of having to answer to the likes of you and me... that might have been acceptable during his formative years in charge, when the fans were rewarded with an scintillating brand of football and success felt like a forgone conclusion, but this new Wenger led team barely resembles that team of ore... whereas in times past we relished a few words from our seemingly cerebral manager, in recent times those words have been replaced by a myriad of excuses, a plethora of infuriating stories about who he could have signed but didn't and what can only be construed as outright fabrications... it's kind of funny that when we want some answers, like during the whole contract debacle of last season, we can't get an intelligent word out of him, but when we just what him to show his managerial acumen through his actions, we can't seem to get him to shut - up... I beg you to prove me wrong Arsene

I've spent the past few months researching another tumultuous year, 1917, in which the U.S. made a radical policy turnaround in entering the first World War, Russia overthrew a czar and installed the world's first communist government, and the 22 - year - old medium of the movies entered its early adulthood.

Similarly, in Chicago, out - of - school suspensions fell by 65 percent between the 2012 — 2013 and 2014 — 2015 school years after the district revised its policies, while New York City, after a policy shift, issued 31 percent fewer suspensions in the first half of the 2015 — 2016 school year than it did in 2014.

Aside from a commitment to oppose the expansion of selection in English schools, the Labour conference has been light on education policy, and although Corbyn has renewed a commitment to the idea of a national education service, there have been few details about the policy first mooted during his leadership campaign last year.

The widespread criticism the law has faced over the past nine years exacerbates the issue, because few can agree — regardless of party orientation — which of its policies should exist in the first place.

Schools with 150 or fewer pupils were this year given # 2,300 to help deliver the government's flagship policy of free meals for all children in their first three years at school, although the grant had already fallen from the minimum # 3,000 handed out the previous year.

It is anticipated that this rate hike will be the first of a few this year but as we have come to learn, the plan Fed policymakers present in one quarter can be significantly different from the actual changes in the policy rate in subsequent quarters.

For the insurance company, the highest cost of providing a policy happens in the first few years that the policy is in force.

It is not unlikely that you can get an internal rate of return of 5 % or more in your whole life insurance policy after the first few initial years.

This type of policy will pay out only a very limited benefit during the first few years the policy is in force, and then convert to a fully payable term life insurance policy for the remainder of the term.

Finally, underwriters will need to know if other underlying conditions are present, such as a diagnosis of depression which could raise a red flag and lead a denial of your application or approval with only limited benefits during the first few years your policy is in place.

If you were to die during the first few years of the policy, most life insurance companies will generally issue a refund of your premiums to your beneficiaries in lieu of the actual death benefit.

Instead of using a «run of the mill» whole life insurance policy (that basically has no cash value for the first few years), we specialize in putting as much money into cash value as possible.

The policy is called «graded» because the death benefit is graded — it increases a bit for the first few years of the policy until it reaches the amount you buy — for example if you buy a $ 100,000 graded policy, the $ 100,000 won't be fully in effect until after 3 years (or two years depending on the company).

Although the cost of insurance in the first few years will probably be higher for a level term than an increasing term policy, the total cost of a level term with the same benefit is usually less.

If you were to die during the first few years of the policy, most life insurance companies will generally issue a refund of your premiums to your beneficiaries in lieu of the actual death benefit.

Generally, the annual premiums are constructed to remain constant throughout the life of the policy, but are typically more expensive in the first few years as compared to term life insurance premiums.

When a death occurs — we hope for one due to old age, but dead is dead, and the company pays (except suicide in the first one or two years, or one of the few exclusions that may be in the policy, such as war or act of war, military service, flying an airplane, or certain hazardous occupations or hobbies — many policies only have the suicide exclusion), you can think of the death benefit in one of two ways.

In addition, these policies don't pay the full death benefit if you die within the first few years of coverage.

Instead of using a «run of the mill» whole life insurance policy (that basically has no cash value for the first few years), we specialize in putting as much money into cash value as possible.

Secondly, in the first few years of a permanent policy, you retain only a nominal figure in the cash value accumulation account.

Annual renewable policies are generally very inexpensive in the first few years of coverage when compared to longer - term life insurance policies.

With reentry term, the insurer will charge a lower amount of premium in the first few years that the policy is in force.

There are a few common exclusions in a term policy including a 2 - year suicide exclusion, which means if the insured dies as a result of suicide within the first two years of being insured, there is no payout (one year in some states).

Suicide is obvious and it states that if, during the first two years of the policy (one year in a few states), you take your own life, the company is not bound to pay the death benefit, just return the premium paid.

Premiums are quite high in the first few years of a whole life policy as compared to term life policy.

In fact, Maury is such a huge proponent of First American's home warranties that he purchased a policy when he and his wife downsized a few years ago.