Sentences with phrase «insurance as term insurance»

A provision within a life insurance policy that allows the insured the option of continuing the existing amount of insurance as term insurance at a length of time according to how much the contract's cash value can purchase.

When you think about getting life insurance for seniors over age 80 you can only consider permanent life insurance as term insurance is no longer available at that age!

Not exact matches

In terms of budgeting, as a general rule, consider between 20 and 30 percent of predicted gross sales as the baseline budget for comprehensive coverage, including health and life insurance.

And while not every out - of - pocket health - care expense counts as deductible, long - term care insurance premiums do, with age - based caps on how much you can deduct yearly (see chart below).

AgileHealthInsurance.com, which sells short - term health insurance plans that are allowed to exclude benefits guaranteed under the ACA, expects the law to allow more choice so that insurers can design cheaper plans to hit a certain price point of $ 100 per month or $ 200 per month, as they did before the ACA, according to executive director Sam Gibbs.

Everyone from retirees to insurance companies are looking at the FAANGs as long - term investments.

The President boosted the number of federal regulations affecting small businesses by 13 percent during his first term in office, leading governmental regulation and red tape to overtake sales, taxes and the cost / availability of insurance as small business's biggest problem, respondents to the National Federation of Independent Business small business survey explain.

The ballooning price of long - term care insurance is more than just a reflection of the growing costs of health care as a whole.

Assuming they and insurance companies buy as much as JP Morgan and others estimate, long - term yields may not rise at all this year and yield curves will remain flat.

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.

Delays tend to be more costly for term policies, as well as for older applicants, said Steven Weisbart, a senior vice president and chief economist for the Insurance Information Institute.

The Department of Health and Human Services this week announced a new proposal that would expand the use of short - term health insurance plans, opening the door for more people to use the «skinny» coverage products while taking another swipe at the law known as Obamacare.

«Depending on plan design, consumers who purchase short - term, limited - duration insurance policies and then develop chronic conditions could face financial hardship as a result, until they are able to enroll in PPACA - compliant plans that would provide coverage for such conditions,» the administration's report said.

-- Discriminating in terms, conditions, or privileges of employment, such as providing a lower salary to an employee because of sexual orientation, or denying spousal health insurance benefits to a female employee because her legal spouse is a woman, while providing spousal health insurance to a male employee whose legal spouse is a woman.

Another main line of Genworth's business, long - term care insurance, is a risky but growing market, and Genworth pleased investors in 2013 by raising rates and cutting back on some benefits as customers live longer and become more costly to insure.

Many receive benefits provided under Medicaid, including the State Children's Health Insurance Program (CHIP), as well as Aged, Blind or Disabled (ABD), Foster Care and Long - Term Services and Supports (LTSS), in addition to other state - sponsored programs, Medicare (including the Medicare prescription drug benefit commonly known as «Part D»), dual eligible programs and programs with the U.S. Department of Defense and U.S. Department of Veterans Affairs.

There are countless other fringe benefits you can offer, such as achievement awards, adoption assistance, dependent care assistance, educational assistance, health savings accounts, group - term life insurance, retirement plans and moving expense reimbursements.

One advantage C corporations have over unincorporated businesses and S corporations is that they may deduct fringe benefits (such as group term life insurance, health and disability insurance, death benefits payments to $ 5,000, and employee medical expenses not paid by insurance) from their taxes as a business expense.

The company said it «failed to correctly implement changes to one of its methodologies as part of its long - term care insurance claim reserves review.»

Certainly, it offers an attractive level for longer - term investors such as pension and insurance funds to lock in a relatively decent yield, and will tempt some portfolio managers to buy bonds rather than equities.

In terms of the large - scale, mass - produced economy, the utility of low - skill human workers is rapidly diminishing, as many blue - collar jobs (e.g., in manufacturing) and white - collar jobs (e.g., processing insurance paperwork) can be handled much more cheaply by automated systems.

The benefit of term life insurance policies is that they can be structured to fit your financial situation, as you can customize several features of the policy:

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.

This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.

C corporations can also deduct fringe benefits such as qualified education costs, group term life insurance up to $ 50,000 per employee, employer - provided vehicles and public transportation passes, pre-paid legal assistance, child and dependent care, discounts on company products and services, and qualified achievement awards.

Many lenders will require that you take out insurance on the asset you're purchasing throughout the term of the loan when the asset being purchased is also being used as collateral for the loan.

AD&D insurance can be purchased as a standalone policy or as a rider to another life insurance policy, such as term life insurance.

Term life insurance policies are quite cheap and can come with a variety of riders offering such assistance as disability income, waiver of premiums, and an accelerated death benefit in the case you become permanently disabled.

Plan B calls for giving this money directly to the banks and leading insurance companies, on terms that let them continue paying high executive salaries and dividends to existing shareholders rather than wiping them out as normally happens when an enterprise has Negative Equity.

As far as underwriting goes, term and permanent life insurance policies are quite similaAs far as underwriting goes, term and permanent life insurance policies are quite similaas underwriting goes, term and permanent life insurance policies are quite similar.

As Frank Armstrong III, founder and principal of Miami - based Investor Solutions points out, long - term care costs are not covered by insurance: «Once a hospital releases you to any kind of long - term care facility, your medical coverage quits paying for your care.»

Term life insurance is especially suitable for those looking to cover short to medium - term liabilities such as a mortgage or business lTerm life insurance is especially suitable for those looking to cover short to medium - term liabilities such as a mortgage or business lterm liabilities such as a mortgage or business loan.

The DOL describes surrender charges as «fees an insurance company may charge when an employer terminates a contract (in other words, withdraws the plan's investment) before the term of the contract expires or if you withdraw an amount from the contract.

He served two successful terms as governor of the Bank of Israel from 1991 to 2000, then went to Wall Street and made a small fortune, first as chairman of Merrill Lynch International, then as vice chairman of American International Group, the insurance giant.

The primary difference between permanent and term life insurance is that term policies only provide coverage for a fixed period of time, such as 20 years.

Many receive benefits provided under Medicaid, including the State Children's Health Insurance Program (CHIP), as well as Aged, Blind or Disabled (ABD), Foster Care and Long - Term Services (LTSS), in addition to other state - sponsored programs, Medicare (including the Medicare prescription drug benefit commonly known as «Part D»), dual eligible programs and programs with the U.S. Department of Defense and U.S. Department of Veterans Affairs.

No medical exam life insurance is more expensive than fully underwritten coverage and typically provides fewer options, such as the ability to increase your death benefit or convert a term policy to permanent coverage.

Mr Gruenberg remains in place five months after the expiry of his term as head of the Federal Deposit Insurance Corporation, a bank regulator.

Some insurers offers a product called no medical exam term insurance where quotes based upon your age group (typically a 5 - year period, such as ages 50 - 54).

This is a very positive development, as mortgage insurance is more profitable for Genworth than its long - term care insurance business.

Term insurance is for a specific period of time whereas permanent is for life as long as the premiums are paid.

Keep in mind that most people invest in gold because they see precious metals as insurance against financial or political turmoil, which is a long - term investment.

However, during this time frame, your premiums will be assessed each year and will increase as you get older, unlike level term life insurance.

We can help you design a guaranteed * retirement income strategy that incorporates insurance and annuity vehicles to create opportunities for long - term growth as well as guarantee * income throughout your retirement.

Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it's important to evaluate your family's needs before deciding to purchase.

Permanent life insurance policies, often called «whole life» insurance policies as a general term, are life insurance plans that are structured to last for a person's entire life.

In general, term life insurance is primarily used to replace your income and cover financial obligations that have a fixed length of time associated with them, such as a mortgage, student loans, or replacing your income while you're earning money.

Term policies are the cheapest form of life insurance coverage and can be tailored to the size of your debts, such as mortgages or auto loans.

But, if you look at insurance more as an investment option and you can afford to the pay the long term premiums, whole life insurance is ideal for you.

Term life insurance, on the other hand, provides coverage for a specific period of time, such as 10 years or 20 years.