Sentences with phrase «insurance as a financial product»

Still, it makes sense to think of life insurance as a financial product and not as a luxury purchase.

Not exact matches

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Forfinancial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on ForFinancial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

This is different from a commissioned salesperson, who earns money when they sell a financial product, such as life insurance or a mutual fund.

Given the high cost of whole life insurance, often several times that of term, and product complexity, our analysis shows term is typically better for the majority of people as you can still get significant financial coverage for your family.

The changing of the seasons is as good a time as any to remind employees that products like supplemental life, critical illness and accident insurance coverage have the ability to protect their financial security to and through retirement.

Similarly, insurers «as purveyors of insurance products, pension plans, and other financial services to corporations, have reason to mute their corporate governance activities and be bought off.»

Additionally, if you interact with Fidelity directly as an individual investor (including joint account holders) or if Fidelity provides services to your employer or plan sponsor, we may exchange certain information about you with Fidelity financial services affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.

The same is true of financial advisers and financial consultants, if those are the titles that your broker uses, as well as financial planners and insurance agents who sell products on commission.

We represent clients in transactions involving OTC derivative financial products, advising numerous commercial and investment banks, as well as major corporations, insurance companies and other end - users of these products.

Arlington, Va., and Windsor, Conn. — When it comes to purchasing life insurance, consumers are engaging online and through social media platforms as a way to evaluate financial products and financial professionals.

HaloMoney is a comparison website for financial products such as insurance, broadband, banking and loans, aims at empowering customers to take more control over their finances.

They know that we will earn a commission should they want to use a financial product that we are suggesting, such as long - term - care insurance.

As a fee - only financial advisor I do not receive commissions or other compensation from the sale of specific investments or insurance products.

AXA and Jumia view Africa as a fast - developing market for financial services and insurance products, benefitting from strong fundamentals such as low penetration rates, rise in middle class, urbanization, as well as the youth of its population.

Earlier, he was working as a Training Manager with a Life Insurance company, and also has training experience in Customer Service, Billing, Financial Products and Sales.

• Further explain a reverse mortgage • Tell you about reverse mortgage product options • Go over reverse mortgage costs, such as the total annual cost • Help you determine your borrower eligibility • Help you determine if you can afford a reverse mortgage • Help you determine if you can meet all financial obligations such as maintaining your taxes and insurance • Expose you to alternative options like tax deferral programs, grant money, financial assistance, etc. • Explain how your choice can impact your heirs and estate • Go over loan comparisons

The company's products and services addresses multiple markets, asset classes and geographies and are sold to a diverse client base, including asset owners, such as pension funds, endowments, foundations, central banks, family offices and insurance companies; institutional and retail asset managers, such as managers of pension assets, mutual funds, exchange traded funds, real estate, hedge funds and private wealth; financial intermediaries, such as banks, broker - dealers, exchanges, custodians and investment consultants; and corporate clients.

FDIC insurance does not, however, cover other financial products and services that insured banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or municipal securities.

In addition to mortgage financing, USAA offers banking services, many insurance products, as well as investing and financial planning.

Given the high cost of whole life insurance, often several times that of term, and product complexity, our analysis shows term is typically better for the majority of people as you can still get significant financial coverage for your family.

In addition, its CompLife product allows you to combine term and whole life insurance coverage to fit your financial situation, as your life insurance needs may change with time.

As a result, we now have more than 100,000 life insurance policies in force and over 10,000 independent licensed financial service professionals marketing our products.

In addition to this, large financial institutions, such as AIG started to sell another product called CDS (credit default swaps), considered an insurance product against MBSs.

AXA Advisors Financial Professionals offer securities through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC, and offer annuity and insurance products through AXA Network, LLC, which conducts business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance Agency of Utah, LLC, in PR as AXA Network of Puerto Riinsurance products through AXA Network, LLC, which conducts business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance Agency of Utah, LLC, in PR as AXA Network of Puerto RiInsurance Agency of California, LLC, in UT as AXA Network Insurance Agency of Utah, LLC, in PR as AXA Network of Puerto RiInsurance Agency of Utah, LLC, in PR as AXA Network of Puerto Rico, Inc..

His conclusion is that tontine annuities should be added to the «approved and endorsed» menu of financial and insurance products available to de-accumulate wealth at retirement; in addition to stocks, bonds, cash, real estate, long - term care policies and even conventional annuities, so long as the insurance companies don't charge too much for the guaranteed.

North American Life Insurance Company (also referred to as North American Company for Life and Health Insurance) has been offering financial protection products to its customers since 1886.

While Genworth Financial had offered life insurance for many years, due to various financial constraints in recent times, the company opted to stop selling its non-medically underwritten annuities, as well as its life insurance coverage products in MarchFinancial had offered life insurance for many years, due to various financial constraints in recent times, the company opted to stop selling its non-medically underwritten annuities, as well as its life insurance coverage products in Marchfinancial constraints in recent times, the company opted to stop selling its non-medically underwritten annuities, as well as its life insurance coverage products in March of 2016.

Through all of this merger and acquisition activity, Chase Bank emerged as the consumer banking arm of J.P. Morgan Chase & Company, offering a wide range of financial products to consumers including deposit accounts, investment products, insurance, loans and credit cards.

Of course, Chase is well known for its other financial services such as auto and home loans, CDs and insurance products.

Just as car manufacturers create different models, each appealing to a different buyer; insurance companies offer a variety of products for each person's unique financial situation.

Using these tools and educating yourself on the workings of life insurance and other financial products can help you feel more comfortable when discussing your needs with such professionals as your New York Life agent.

Through our relationship with LPL Financial, our clients have access to a wide array of financial and wealth management strategies, including services such as professional money management, retirement and education planning, and investment products including stocks, bonds, mutual funds, annuities, and insurance Financial, our clients have access to a wide array of financial and wealth management strategies, including services such as professional money management, retirement and education planning, and investment products including stocks, bonds, mutual funds, annuities, and insurance financial and wealth management strategies, including services such as professional money management, retirement and education planning, and investment products including stocks, bonds, mutual funds, annuities, and insurance products.

Many financial advisors are licensed to directly buy and sell financial products, such as stocks, bonds, annuities, and insurance.

• The bill prohibits lenders from requiring borrowers to purchase insurance, annuities, or other similar financial products as a condition of getting a reverse mortgage.

Annuities are insurance products, but they can be sold by financial institutions as well as insurance companies.

In addition to its role of providing and delivering financial and insurance products — and investment returns — to its customers and its shareholders — Legal & General, as a business, has helped to ensure that they relate to the day to day lives and concerns of their customers and also helped to guide any companies that they invest in to do the proper thing.

In fact, the development of annuity products is so rapid and extensive, much of it based on applications of behavioral economics, that insurance companies, once seen as plodding and dull, are at the center of financial innovation.

USAA employs these values in helping customers plan for each phase of their life and has various financial products, such as retirement, investment, banking, and insurance products, to help customers achieve their goals.

Then you have each state's insurance department which oversees insurance agents who may also be making financial recommendations, such as advising on the purchase of a fixed annuity or life insurance product.

Because guaranteed universal life insurance policies have become a popular financial protection and investment vehicle, many more insurance companies than ever now offer this as a product option for clients.

In helping to achieve its overall mission, Mass Mutual offers a long list of financial and insurance products and services, including life insurance and annuities, as well as retirement savings options.

The products that are offered through the carrier are provided via a sales force of both captive insurance agents, as well as through other financial companies and organizations.

A Mutual Fund Company that is involved solely in the manufacture of mutual funds tend to distribute their funds through mutual fund representatives, investment advisors, financial planners, mutual fund dealers and life insurance agents, while the banks, credit unions and their Quebec counter part caisses populaires distribute their fund products through their retail branches as well as via independent advisors and brokers.

It is a sales tool for Broker Dealer Reps lying, cheating, and cutting every corner possible in order to get out of doing the actual hard work clients erroneously think they're performing, as they pretend to be financial planners; desperately trying to meet their BD's sales quotas by peddling commission - based American Funds and scaring investors into buying life insurance company products (e.g., annuities).

As we've discussed concerning the infinite banking concept ®, whole life insurance should NOT be pitted in side by side comparisons with various financial products BUT rather can serve as a strategic tool for growing your wealth safely while also providing a means to pursue any number of other investment opportunitieAs we've discussed concerning the infinite banking concept ®, whole life insurance should NOT be pitted in side by side comparisons with various financial products BUT rather can serve as a strategic tool for growing your wealth safely while also providing a means to pursue any number of other investment opportunitieas a strategic tool for growing your wealth safely while also providing a means to pursue any number of other investment opportunities.

Here's the shortest bottom line on all forms of annuities and all forms of whole life insurance: If you work in the life insurance business, either as an agent or an employee of a life company, or hold life insurance company stock; then annuities and whole life insurance are the greatest invention since the wheel (because they pay by far the most in immediate commissions of any financial product available today, making them by far the most profitable part of the life insurance company business model).

This page is for and about life as a typical BD Rep agent financial advisor that wants to offer more investment - related services, and little - to - no life insurance company product (e.g., variable life insurance or variable annuities).

Financial professionals can help identify investments or other financial products that help cover medical expenses, such as long - term care riders on permanent life iFinancial professionals can help identify investments or other financial products that help cover medical expenses, such as long - term care riders on permanent life ifinancial products that help cover medical expenses, such as long - term care riders on permanent life insurance.

Mortgage, financial, and title insurance reserving is not even an art; there is no good theory behind them, as is true of life insurance products with secondary guarantees, particularly those dealing with variable products.

AIG is an interesting case; it has a lot more involvement in financial products and derivatives (insurance, but not really — at least not as directly as simple P&C policies) than most insurance companies.