Sentences with phrase «insurance than long term»

Not exact matches

Those with assets worth more than $ 50,000 might find that long - term care insurance allows them to afford assisted living or nursing - home care, should they need it.

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

The Hobbses took some of Guarino's advice, like using a home - equity loan rather than savings to cover home repairs, and looking into long - term - care insurance.

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.

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.

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

Rather than the common policy of discharging such patients to nursing homes when family members insist on continued treatment or the insurance money runs out, Catholic institutions could develop sorely needed long «term rehabilitation facilities that could build on the encouraging work being done with such patients in England and Israel.

So I believe the NHS is the best insurance system for the long - term - and even more relevant to Britain's needs today than it was in 1948.

More than just an insurance policy against late frosts or unexpected dry spells, it turns out that seed dormancy has long - term advantages too: Plants whose seeds put off sprouting until conditions are more certain give rise to more species, finds in a team of researchers working at the National Evolutionary Synthesis Center in North Carolina.

Therefore, if you need more than two to four hours per day of in - home care, your long - term insurance benefit may provide more long - term - care if you are in a nursing home.

Since the insurer is guaranteed to pay a death benefit to your beneficiaries so long as all premiums are paid, permanent life insurance rates are significantly higher than those for term life insurance.

Even then, don't sign up for an insurance policy until you have crunched the numbers and figured out that its benefits are likely to offer you a better after - tax return on the premiums you pay than you would earn for CD rates or long - term investments.

Private Mortgage Insurance is a necessary part of life for many homeowners, but by being informed about your loan terms and options, you can avoid paying it for longer than is necessary.

Q: Aside from AIG, and other financial insurers, the insurance industry came through the crisis better than the banks because they focused on longer - term stress tests, and not on short - term measures like VAR.

Not only is it possible that you will need the benefits earlier in life than expected, but the younger you are the lower the premiums for long - term care insurance.

During the middle of the 20th century term life insurance provided temporary coverage while Whole Life insurance provided coverage for those that needed it to last a lifetime (or longer than 20 years).

In case if your investment objective is returns / long - term wealth accumulation, there are better options than traditional life insurance plans.

But if you are getting a loan that requires a down payment lower than 20 percent of the home's value, factor in the possible higher long - term costs, such as a higher interest rate and private mortgage insurance.

Using traditional long - term care insurance planning typically provides coverage at a lower cost than hybrid policies.

This rider is very similar to a long - term disability insurance policy, but it can be conveniently added to your policy rather than you having to purchase it separately.

Now, whereas life insurance is less for women than men, that is not the case with long - term care insurance.

Over the long term, finance theory says that such stocks should theoretically earn less than the risk - free interest rate, and sell at above - average price / earnings multiples because they provide «insurance benefits» for a portfolio.

More than half of SSDI claims are denied, but even if you're approved that money will cut into the benefit amount you get from your employer - sponsored long - term disability insurance.

A: Mary, if you, your husband or your children are no longer dependent on your current income than life insurance in terms of income replacement is not really necessary.

This can make insurance bonds a tax effective long term investment for those with a marginal tax rate higher than 30 %.

Whether it was a business failure, long - term unemployment, losing your health insurance or catastrophic medical bills, it is very important to provide specific information rather than saying only that you've had too many bills to handle.

It may be more costly than term insurance if you don't keep it long enough.

It's only one piece of the puzzle, however — a long - term disability insurance policy will do more to protect your income than a simple rider.

«Yet it does represent a long - term risk if the savings prove greater than expected or if the enterprises see this as a safer way to obtain congressionally required mortgage insurance on loans with less than 20 % borrower equity.»

These stand alone policies offer more flexibility than hybrid long - term care insurance.

New York Life Insurance Company is the largest mutual life insurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by WalInsurance Company is the largest mutual life insurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by Walinsurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by Wall Street.

Rather than having to buy an individual long term care insurance policy, as of 2009 you can buy life insurance with a long term care rider instead, opening the market up to more LTC retirement planning options.

As to insurable interest, the US Supreme Court classified life insurance as an asset long ago, no different than an equity or bond, so «killing it» is not a slam - dunk option.Something that is being lost in this debate is the difference between term and permanent life.

Secondly, the risks are more predictable than risks to long - term insurance contracts.

A planned gift can be as simple as naming Homeward Pet as a beneficiary in your will or life insurance policy, or transferring long - term appreciated stock to Homeward Pet directly (rather than selling it and donating the after - tax proceeds).

Before joining Eversheds Sutherland (US), Phil served as chief litigation counsel at the American Council of Life Insurers (ACLI), where he filed more than 350 briefs on significant issues affecting insurers» marketing life, annuity, disability, long - term care and health insurance products.

They will be able to make medium - to long - term investments from a position of scale, deeper pockets than most law firms, and the ability to control access to work, for instance through insurance policies, membership benefits, and customer loyalty.

My argument for term life insurance isn't solely because it's cheaper but because steady self - directed long - term investing results in greater wealth in the long run than buying permanent insurance.

Return of premium term life insurance (ROP) is a type of life insurance policy that offers a guaranteed refund of the life insurance premiums if you live longer than the term period.

If the situation arises when you can not somehow pay your term life insurance policy, than the policy will expire and you will no longer be insured.

No matter how many years of term insurance coverage you choose, you might look at your contract and see that it lasts longer than you expected.

Despite higher initial premiums, permanent life insurance can be less expensive than term life insurance in the long run.

So basically, if you want life insurance that lasts longer than a 30 year term policy you have a superior option with GUL.

If you have a mortgage payment that will last longer than 20 years or you're anticipating moving, consider a 30 year term life insurance policy.

Thirty years ago, one insurance company had the smart idea to understand that many people wanted to keep term insurance policies on the books for longer than just a few years.

Life insurance with a LTC rider is almost always simpler to qualify for than Long Term Care insurance.

Furthermore, most 40 year olds purchase a term life insurance policy longer than 10 years which increases the premiums even more.

This means that insurance companies will charge more for policies with long terms than short terms.

More than 100 companies sold long - term care insurance in the late 1990s, compared to roughly a dozen today.

Phoenix life provides permanent life insurance protection that will protect homeowners longer than their term products.