Sentences with phrase «individual life policy»

Since you have been paying for individual life policy with after - tax dollars, your beneficiaries will receive a tax - free death benefit.

I expressed how that seemed at best shady and that it didn't seem a stretch to call it unethical since the conversion language in their term insurance policies says «We will make a permanent individual life policy available for exchange... We will not require the insured to submit evidence of insurability».

It is a flexible tool that is often cheaper than each person having individual life policies.

Call Paul Clifft at 303.645.4709 for more information on the following services: • Group Medical Plans • Group & Individual Dental Plans • Individual Medical Plans • Other Group Benefits (Life, Long & Short Term Disability, and Vision benefit plans) • Individual Life Policies.

It is generally less expensive than buying two individual life policies.

The cheaper route to go — survivorship life insurance is generally less expensive than buying two individual life policies with similar coverage

This type of policy is generally less expensive than purchasing two individual life policies.

It's not unreasonable to estimate that a $ 1 million joint survivorship policy would be 20 percent cheaper than two $ 500,000 individual life policies, Finneran notes.

As a result of recent changes to our business, some of MetLife's current retail customers have policies that will move to Brighthouse Financial, and others will remain as part of MetLife.1 While we no longer sell individual life policies through in - person agents, we're committed to providing all of our current customers with world - class service and claims support.

Since second - to - die insurance is one policy that covers two individuals, it's usually cheaper than two individual life policies.

Not exact matches

As the name implies, term life insurance will provide a death benefit if an individual dies within the policy's term, up to 20 years typically.

While many Americans get life insurance policies through their job, the coverage is usually lower than individual policies and is only in place while they're employed.

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Layering life insurance for full coverage Learn why a mix of group and individual life insurance policies may be a smart choice.

Two health care policy experts gave their views on whether ending the penalty would put the ACA on life support, whether consumers would sign up for coverage and whether health insurers would continue to sell individual policies on the exchanges.

Designed to provide a survivorship life insurance solution for clients seeking strong protection and accumulation guarantees, this new second - to - die whole life product can cover two lives more cost effectively than two comparable individual policies.

If the account is a life insurance policy or an annuity, a typical trust for the minor or other individual will work.

If you have an individual policy, life insurance premiums are not tax deductible.

You may get life insurance policies through your employer, but the coverage is usually lower than individual policies and is only in place while you're employed.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

Banner Life's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or lLife's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or llife expectancy of twelve months or less.

Basically, someone with a terminal disease would sell his or her life insurance policy at a discount so they could have money to pay medical bills and what not and then when that individual died, the buyer would cash in the full amount of the policy.

Life insurance is applicable to individuals and families in a wide range of financial situations because it refers to a group of several different products, each of which can be customized with riders (basically, add - ons to the policy).

But given that several individual racial justice groups, as well as larger collectives like the Movement for Black Lives and the police - reform oriented Campaign Zero initiative, have all come out with various policy agendas targeting specific issues, this doesn't really hold up.

These policies and procedures are not designed to augment common belief and ways of living but to insure that individuals have maximum opportunity to make their own choices about these matters.

The NATO essay points again to the fact that, whether the issue under discussion is welfare policy or foreign policy, what we consistently find in the work of Irving Kristol is a consideration of public life and governing from the standpoint of the individual soul» and, by the same token, a consideration of the need to foster the right kinds of virtues in individual souls in order for the most desirable regimes to be successful.

This control Is exercised through the ideologies, myths, beliefs, assumptions, procedures, policy statements, instructions, etc., which constitute and justify the individual and collective operations making up in their totality the way we use our lives.

When the church is consumed and possessed by mortgages, capital campaigns, membership numbers, qualifications for membership or deacon or elder, the variety and format of financial reports, redecorating, ordination policies, the proper delineation of committee responsibilities, the aggregation and strengthening and protection of church hierarchical authority, the preference for political associations and prominence instead of being a voice and influence for justice and compassion, seasonal vestment colors, the abandonment and refusal to acknowledge congregations who dare to be excited by their proclaiming and provoking and living and sharing the Good News, the continual choosing and preoccupation with better organization over better outreach, or what styles of worship are to be offered — then it is time for an earth - shaking, stone - rolling, curtain ripping, hurricane - strength, fiery and noisy transformational revolution that will resurrect the Good News in the body and spirit of communities and individuals.

Individual and group premarital counseling, community marriage policies, and mentoring programs for couples at various stages of the life cycle should be seriously expanded.

It's a great thing, but, as he notes, «Because fathers demand a greater involvement in their children's lives after separation, there has been increasing conflict both at a policy level and at the individual level of litigated cases.»

If we can change our policies and our practices in the classroom, and work with researchers devoted to finding ways to help our children, we can «make a tremendous difference, not only in the lives of individual children and their families, but in our communities and our nation as a whole.»

:: Urgently pay Edo State pensioners over 42 months outstanding pension benefits and entitlements from the over N29bn Paris Club refunds received by your government and meant for the payment of pension arrears and gratuities;:: Adopt a human rights policy of guaranteeing regular payment of pension benefits and entitlements so that pensioners and their families can live decently;:: Recognize the human rights of Edo State pensioners and ensure their full and effective enjoyment of those rights, as well as provide them with information to enable them to claim their rights;:: Treat all pensioners in Edo State as individuals with humanity and dignity and respect and promote their higher standard of living and improve economic and social conditions for all pensioners;:: Provide Edo State pensioners with proper support and assistance to alleviate their plight, including by ensuring informal, community - based and recreation - oriented programs for pensioners to help develop their sense of self - reliance and independence;:: Reduce opportunities for corruption in the spending of the Paris Club refunds

That this House expresses deep concern at the impact of the UK Government's policies on Wales; notes the UK Government's real - terms reduction of the Welsh Budget by # 1.5 bn; notes that Wales currently suffers from the lowest average rates of pay in Britain and has the highest proportion of individuals affected by cuts to social security including the Bedroom Tax; further notes that Wales suffers the highest energy bills in the UK and that these, along with low pay, have compounded the cost of living crisis in Wales; and calls on the Government to immediately scrap the Bedroom Tax, freeze energy bills and undertake measures to increase pay rates in Wales.

Meanwhile, Trump's draconian immigration policies have shown that the enlightened notion that an individual's circumstance of birth should be incidental to their ambitions in life is once again a counter-cultural idea in the west.

Helpfully he had come armed with suggestions for how this might be done: extending the kinds of business models that the ownership commission reported upon the day after the jobs summit; ecosystem policy, rather than industrial policy; a twenty - first century social contract, which would allow individuals to mitigate the risk in their lives; and a state - backed infrastructure bank.

David Paterson, would essentially allow individuals to apply their life insurance policy to longterm care.

There is an important place for debating policies and legacy; for assessing the impact of political decisions on the everyday lives of individuals and communities.

In the U.S., we already have legislation that prevents health insurance companies from discriminating against individuals based on genetic information, but it doesn't apply to life insurance or long - term care policies.

The Global Call to Action Against Poverty (GCAP) is a growing alliance that brings together trade unions, INGOs, the women's and youth movements, community and faith groups and others to call for action from world leaders in the global North and South to meet their promises to end poverty and inequality.GCAP's main aim is to achieve policy and practice changes that will improve the lives of people living in poverty.GCAP adds to existing campaigning on poverty by forming diverse, inclusive national platforms that are able to open up civil society space and advocate more effectively than individual organisations would be able to do on their own.

To dramatically reduce violence and work towards a more peaceful world where individuals have better self — esteem and better conflict resolutions skills, instruction in peaceful living must be intentional and school climate, policies, and practices need to shift to be more caring and responsive to learner

To ensure that all children develop the necessary cognitive, social, emotional and physical skills that build the foundation for life - long learning and early literacy; this is accomplished by providing a high quality, safe and nurturing environment, responsive to the culturally diverse and unique needs of each child, through individual and interactive learning opportunities, supported by excellence in teaching and research - based instructional practices aligned with the NYS Learning Standards and the District's curricula, in partnership with parents, staff, policy makers and community organizations.

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Pioneer Institute is an independent, non-partisan, privately funded research organization that seeks to improve the quality of life in Massachusetts through civic discourse and intellectually rigorous, data - driven public policy solutions based on free market principles, individual liberty and responsibility, and the ideal of effective, limited and accountable government.

Our curriculum addresses individuals with disabilities, as well as the programs, supports, and public policies that affect individuals with special needs throughout their lives.

The Golden Apple Impact Award honors a private individual, company, policy maker, or decision maker who has impacted the lives of many in Illinois through his or her significant, positive engagement in education.

The data are used to determine an individual's risk when applying for life, health, disability income, long - term care, and critical illness insurance policies.

Suffice it to say, however, that most individuals receiving payments from a life insurance policy do not pay taxes on the payouts.

Coverage amounts for an individual life insurance policy usually range between $ 500,000 and $ 1 million.

While term life insurance doesn't accrue a cash value over time, meaning you can't borrow against it, a term policy has a low cost by comparison and is still customizable to an individual's situation.

I realized early that individual life insurance policies offer better security than employer - provided group plans.