Sentences with phrase «in initial years»

Income eligible One Mortgage Program first - time home buyers may also qualify for a subsidized monthly payment in the initial years of ownership.

These processes have been extremely successful in their initial years.

In the initial years of THV, recruitment efforts consisted of enrolling any and every possible family into the program to meet capacity numbers.

These bold words do not accord with the situation that has emerged in the initial years of the new arrangements.

In the event of the policy holder's loss of life, particularly in the initial years of holding the plan.

ULIP polices charge heavy admin charges in the initial years.

As indicated earlier in several articles, ULIP's charge high charges in initial years.

About the cost, you will pay more in initial years with term plan rider.Standalone Critical illness plans will get expensive during the later years.

About the cost, standalone critical illness will be cheaper in the initial years but will get more expensive in the later years.

On the other hand, a company normally has a low claim settlement ratio in its initial years of operations.

Therefore, if you surrender before the minimum prescribed period, not only do you forgo the tax benefits but also take a hit on your returns due to higher charges in the initial years.

Reduction in premium allocation fees as prior to September 2010 commissions were 30 - 35 % of the premiums you paid in the initial years of the policy.

The commissions are really high in initial years of ULIP.

Surrender percentage is low (or surrender penalty is high) in the initial years and increases with time.

LIC top officials are also at blame since they only think of traditional plans as once a gullible customer enters into these pathetic plans, he is virtually trapped for a long time since surrender value of these plans in the initial years is nothing to minimal.

Jeetu, For ULIP's, insurance companies would charge high allocation and admin charges in initial years.

It just offers 105 % of premiums paid or fund value (which would be obviously very less in initial years) as death benefit.

For most companies in the initial years the claim settlement ratio is low.

Remember, if it is not a term plan and you want to discontinue it, there will be a higher surrender fee (for Ulips, it is 10 - 15 per cent in the initial years and lower after the fifth year) than that of traditional plans — 30 per cent in the second and third years and 70 per cent in the fourth year, excluding the first year premium.

Traditional plans have an opaque charge structure (even up to 30 per cent of the premium) and are more expensive than unit - linked ones — policy allocation fee (7 - 10 per cent in the initial years), policy administration fee (a percentage of the premium) and fund management charges (1.35 per cent a year).

In the initial years the life insurance company is bearing greater risk.

It is used by business people to cover outstanding loans, to fund buy - sell agreements in the event that a partner or shareholder dies in the initial years of a new business, or for key employee life insurance.

Automatic Asset Rebuilding Strategy: This features manages the equity exposure of your fund automatically starting with high exposure to equity in the initial years of policy term and gradually decreasing it over the years and diverting funds to low risk funds towards the end of policy term.

Usually, premiums paid in the initial years are higher than required to compensate for the lower premiums when the sum assured increases over time.

In the initial years the majority of your payment goes to pay interest.

In the initial years the majority of your monthly mortgage payment is applied to interest and what is referred to as a sinking fund.

ULIP plans are very expensive in the initial years due to many charges applied on them.

That's why many people realize the facts and started surrendering these policies in the initial years only.

Market fluctuations: Due to market fluctuations, a lower amount of returns are generally anticipated in the initial years.

In ULIPs particularly, the insurer loses a large amount of premium paid in the initial years, most of which goes towards agent's commission and other charges, and only the remaining amount is directed to the fund.

However, borrowing in the initial years of the policy is not suggested as a you would acquire low surrender value.

Low earnings initially: A start - up insurer may not have a substantial premium earning in the initial years of operation and the claims experienced may be high.

You can see that there are benefits if you surrender or make the policy paid up in the initial years.

You can see that the surrender penalty is heavy in the initial years and goes down (as a percentage of total premium paid) as the time passes.

If it would have been in the initial years of policy then surrender would be the best option, but now you should check all possible cases and then decide which way you can get more out of your money.

Cash value can take some time to grow (and it may even be negative in the initial years of the policy)

In most cases, the reason was seen as high commission payout to the agents in the initial years of plan.

A similar universal life policy could cost $ 2,000 a year for men, $ 1,700 for women; and in the initial years, a similar whole life policy could cost nearly $ 5,000 a year for men and $ 4,400 for women.

If the child is covered, the company inserts a deferment clause in the policy which excludes coverage in the initial years because the infant is considered to be a more risky life.

In case you fail to purchase the scheme in the initial years you can join the policy in the subsequent years by paying the annual premiums and submitting a self - attested health certificate.

Multi Cap Growth Fund is a high risk and high return fund with the maximum allocation of premium in the initial years while Income Fund is a low risk low return fund.

Lower Initial Returns: Higher upfront costs reduce returns in the initial years of your policy.

Despite factors against warming in the 2000s, Smith et all predicted natural variation would suppress GHG warming in the initial years of their prediction, 2005 and 2010 were both warmer than 1998 on the two American temp series, both of which do well in comparison to the BEST land series.

He worked on his final drama CDs in his initial years at Imagine, adapting the stories of Golden Brave Goldran, Landlock, and, for the Falcom Special Box» 96, Ys V to music.

It's certainly nice to reap some of the benefits of my hard work in the initial years — and my continued efforts!

In my initial years of full - time travel, I was building my online business and didn't have a huge disposable income to work with.

In the initial years, Abrams observed, one notable obstacle was that the area lacked cell phones and landlines — so Animal Aid Unlimited might be contacted three times per week for animal rescue help; in 2005, cell phones were introduced, and changed everything: Abrams says they might receive 60 calls a day for assistance, explaining that the chief recurring issues prompting phone calls to the hospital are car accidents, the impact of a poor diet & / or consuming plastic products, and lack of medical treatment.

Mortgage pre-payment is especially important in the initial years when most of the mortgage goes towards interest.

Of course, in the initial years, the «dividends» are negative, so another way of thing about owning would be paying the cost of renting upfront.

In the initial years, most of the monthly payment goes toward interest.