Sentences with phrase «insurance needs of an investment»

The SCSS is formulated to fulfill the particular insurance needs of an investment - oriented senior citizen.

Not exact matches

It's building insurance companies; it's building pension funds; it's building whole structures that we need for long - term investments,» said Mark Tinker, who is Head of Framlington Equities Asia at AXA Investment Managers.

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

We believe that wealthy families have a foundation of basic needs related to investments, budgeting, estate, income tax and insurance.

«Basic needs» include the management of investments and cash flow, and the structural elements of income tax planning, estate planning and insurance, among other disciplines.

Other advisors — mostly investment and insurance brokers — balance the needs of their clients with their own interests or experiences.

But as even he has discovered, many of these investors may still need some help or guidance in choosing ETFs, settling on an appropriate asset allocation, rebalancing or even with financial issues that go well beyond managing investment portfolios — more holistic challenges like tax - efficient withdrawal strategies, insurance and estate planning, debt management and the like.

i know you need to pay private mortgage insurance until you're 20 % vested in the house, but surely the gains on your investment outweigh the small amount of PMI.

Whole life insurance is not a good standalone investment, and needs to be considered as part of a diverse portfolio.

You could also cash out the cash value and invest it in something more aggressive; whole life insurance is an inherently conservative play, and because you have a long period of time before you need money for retirement, it may make more sense to take the income tax hit now and better utilize that money in a more aggressive investment portfolio.

For example, if you're going to use the Asset Allocation Software to run an investment asset allocation report, College Planning Calculator to show what's needed to send kids to college, Life Insurance Need Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow ProjectInsurance Need Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (CNeed Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projectinsurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (Cneed, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (CFP).

Or they had a built - in margin of safety, such as property and casualty insurance businesses where you were in effect buying a bond portfolio at a discount to book, had the benefit of investing the premium float, had a necessary product (automobile insurance) and again did not need a lot of capital investment.

From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the diverse financial needs of individuals and corporate sector.

The major insurance companies of that period were deeply at fault in this as well, largely driven by the need to issue 5 - year Guaranteed Investment Contracts [GICs] to rapidly growing stable value funds of defined contribution plans.

A savings oriented unit linked insurance plan that offers you multiple fund options to suit your investment needs with a life insurance cover to protect your family in case of any unfortunate event.

Paying for life insurance on children is a decent investment unless you're made of money to pay for a funeral and can afford to take months of if need be for grieving time.

Lenders need to know their investment will be covered in the event of some kind of tragedy.Given the fact I have been a real estate agent for the past thirty years, one of the questions I am often asked is how to save on home insurance.

I think in order to get something truly different from a bank or an insurance company, you need to consider a private investment company, which can range from small firms with a couple of partners to large independent companies with multiple offices across the country.

3 To qualify for the CIBC Banking Bundles, you need to have an eligible CIBC Mortgage or Secured Line of Credit, a CIBC Investment and either a CIBC Credit Card or Creditor Insurance.

This strategy can be utilized for both buying assets as well as liabilities without needing to remove your cash from the investment (i.e. whole life insurance using non-direct recognition companies) that is continually working AND compounding to generate a consistent rate of return.

For example, if you have input $ 1,000 in annual withdrawals in the Investment Comparator, and the tax rate is 20 %, and all money coming out of the insurance product is subject to 20 % tax after you get it (always use identical tax rates on both sides), then you'll need to adjust the amount of insurance product withdrawals up to also take taxes out of the balance (because that's how it works in the Investment Comparator calculations, and in the Real World).

The easy - to - use tools include several analytical calculators to provide personalized calculations and analysis of your net worth, budget, expenses, mortgage payment options, buy versus lease, life insurance requirement, investment goals, tax - advantaged investments, loan interest payments, debt consolidation, accelerated debt payoff, savings plan, child education costs, retirement planning, retirement income needs, RRSP contributions, and RRIF payments.

So if you're inputting $ 1,000 in annual withdrawals into the Investment Comparator, then you'll need to input the amount of withdrawals that will equal $ 1,000 in spendable money, after the taxes are paid on the insurance product withdrawals.

Invisor uses a goals - based approach with tracking against goals for investments, but uses much of the same information to also identify insurance needs.

In order to determine whether or not there is any value in investing with seg funds, the costs of the investment vs. the insurance need to be analyzed.

Generally the amount of protection you need is a combination of what it would cost to help your surviving family members and dependents meet their current needs (like taxes, food, clothing, utilities, mortgage payments, etc.) plus future obligations (like college and retirement funding)-- minus the resources that your surviving family members could draw upon to meet those obligations (spouse's income, savings and investments, other income producing assets, and any life insurance you might already own).

While there are many advantages of owning a variable life insurance policy, it is also important to consider some key factors prior to moving forward in order to be sure that this type of policy is the best option for you and your specific insurance and investment needs.

An industry the size of ours has a world of outside suppliers for everything from cartons and cases, shipping, importing / exporting and marketing to insurance needs, investments and much more.

This rise can only be explained by global warming... [I] nnovative insurance solutions will be needed to bring about the necessary transformation within the energy sector, where investments are often only feasible with the backing of innovative insurance covers.

This body of research argues for the recognition of everyday legal needs and responding investment in affordable, community - based legal outreach, pointing to the very considerable social costs of non-resolution that are borne by social and health services, income supports, disability plans, and employment insurance, other social services (more information and supporting publications can be found on the Forum website).

However, by getting a firm grasp of North Carolina term life insurance and life insurance with an investment, you can walk into purchasing life insurance confidently and armed with all the information you need to make the right decision.

A local independent agent in the Trusted Choice network can answer all of your questions about the amount of insurance you will need to protect your trailer investment, and will even help you compare quotes from several insurance companies.

* Life insurance needs to be viewed from the lens of «disciplined savings» and asset allocation rather than «investment».

New product offerings addresses the customer need for protection, tax saving, investment and wealth creation New Delhi, January 2, 2014: PNB MetLife India Insurance Company Limited (PNB MetLife), one of India's leading life insurance companies announced the launch of 16 new life insurance products today compliant with the IRDA guInsurance Company Limited (PNB MetLife), one of India's leading life insurance companies announced the launch of 16 new life insurance products today compliant with the IRDA guinsurance companies announced the launch of 16 new life insurance products today compliant with the IRDA guinsurance products today compliant with the IRDA guidelines.

Insuring such cars needs investment by the insurance companies into special underwriters who can specify the best combination of premium rates and coverage that these high - risk cars demand.

At the time Mr. Pate contacted us he was 66 years old and in need of $ 200,000 of 20 year level term insurance to cover a loan for some investment property he was financing.

Aviva Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs.

Child plans offered by insurance companies are investment policies that help take care of the future needs of a child.

Even white collar professions like doctors and lawyers need disability insurance — in fact, because of the expensive educational investments in these fields, they benefit even more from disability coverage.

Disability insurance is one of the best investments you can make in your financial plan to help ensure that a paycheck is there when you need it.

With an increase in the foreign direct investment cap, the insurance sector may get access to much - needed capital infusion that can be channelised to increase penetration of insurance across the country.

Women Insurance Plan caters to the needs of women like medical solutions, savings, retirement solution and investment benefits.

The Need for Child Insurance There are plenty of investment options that an individual can choose from — mutual funds, share market, gold,... read more

But lawyers need disability insurance just as much as — if not more than — other professions due to their investment, their earning potential and their risk of disability.

Sahara India Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs.

Loss of income insurance is only needed if you are a landlord who owns an investment property that you are renting to tenants.

In the US, it is illegal under the Investment Advisers Act of 1940 to offer Universal Life Insurance as an «investment» to individuals, but it is frequently offered by agents as a tax - advantaged financial vehicle from which they can borrow as needed later without tax Investment Advisers Act of 1940 to offer Universal Life Insurance as an «investment» to individuals, but it is frequently offered by agents as a tax - advantaged financial vehicle from which they can borrow as needed later without tax investment» to individuals, but it is frequently offered by agents as a tax - advantaged financial vehicle from which they can borrow as needed later without tax penalties.

Since a healthy sum of cash value in a variable life or variable universal life insurance policy is needed to pay the costs of keeping the policy in force, policyholders should choose their sub-account investments with extreme caution.

As a former Series 65 Investment Advisor Representative, Chris also has the unique ability to «put on his financial planning hat» and discuss complex insurance issues such how much life insurance you need, the benefits of term vs. whole life insurance, and has helped hundreds of affluent families as well as business owners with their special needs.

Important factors affecting this decision include your income tax bracket, whether the need for life insurance is short - term or long - term (e.g., 20 years or longer), and the rate of return on alternative investments possessing similar risk.