Sentences with phrase «insurance than return»

A more basic version of term life insurance than return of premium insurance.

Not exact matches

The firm did report better than expected profits in the third quarter, and could potentially return to a bigger presence in the individual insurance market once uncertainty around Obamacare stabilizes.

Despite more than paying for itself — by its own reckoning, Ex-Im Bank has returned $ 7 billion to the U.S. Treasury in the last two decades through interest on guaranteed loans and credit insurance — the 80 - year - old government - run financial institution is a sunset agency.

Watsa's sway with investors is no mystery: Fairfax has returned more than 5,000 % over the past 20 years, and the company has its hands in a diverse array of businesses, including insurance, media, and restaurants.

Even with the required private mortgage insurance when putting less than 20 % down, you can get a better return on your money in non-equity assets.

They also won't be on the hook if investment returns are lower than the insurance company expected when the company made the income guarantees.

If the answer to question 1 is «Yes» then the SCOTUS made a grave error in allowing corporations to pay their employees less than they agreed to in the contract to provide health insurance coverage regardless of their faith in return for hours worked.

But even if the returns to RSML end up amounting to no more than $ 20 million per annum, the total take will be in excess of $ 1 billion over the lifetime of the contract if increases in the levy merely tracks inflation in insurance premiums over the last decade.

I got a seriously good insurance payout on my 2005 Durango (more than I paid for it), and the insurance company even returned my deductible as an apology for the inconvenience when there as an issue in their office that caused a 2 week delay in getting the payout cheque to me.

Used cars are a great choice for drivers on a budget because they open up more options to you than new cars, they've skipped the big depreciation period so you get more return on your investment, and they have lower associated costs like insurance.

The high return approach to paying medical bills for credit card rewards involves assigning the insurance benefit to yourself, rather than the doctor.

Rather than having to pay out of pocket for a loss, Montana renters insurance allows you to be covered for unexpected losses and be returned to the condition you were in prior to the loss.

Mutual funds do not provide any insurance but if someone needs an insurance can take a term plan and invest in mutual funds for better returns and insurance coverage than investing in ULIPs.

Conversely, the average returns tend to be lower than at risk investments such as stocks or real estate due to limitations set by the insurance company (usually represented by a contract fee or a cap, spread, or participation rate on the index allocation selected).

But, this isn't an apples - to - apples comparison, since whole life insurance is usually significantly more expensive than term life insurance, whereas a return of premium policy is usually only slightly more expensive than a basic term policy (depending on your age and profile).

However, if you think there is something you can invest your money in which can yield you returns that is higher than the savings you make on the purchase of the car insurance on a yearly plan, it will be advisable you invest the money.

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.

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

When the index returns a rate that is higher than the cap, the life insurance company keeps the difference.

Plus, you'll likely average a higher rate of return investing that money on your own than in a whole life insurance policy.

Investment returns on whole life insurance are typically lower than other types of permanent insurance, because the insurance company invests the cash value in extremely conservative vehicles, such as bond funds.

This return of premium term life insurance policy offers much less protection than the standard term insurance plan.

Universal Life and Variable Life offer greater flexibility and potentially higher rates of return on investment, but are also more risky as investments than Whole Life Insurance.

With whole life insurance, the guaranteed annual rate of return is lower than you might get with alternative investments, but you may want your child to have a death benefit as well.

Another use of life insurance to reverse out an annuity, is when all you need for living expenses is a guaranteed after - tax - return that is slightly higher than current government bond yields, and you want to leave an estate after death.

It is said that the returns from your own investment are higher than the ones from the insurance companies.

They will shrink and disappear, while new guarantors, who are all currently skeptical of doing much more than Municipal bond insurance, will grow, and make it impossible for the old guarantors to return, because they are much better capitalized.

But whole life is a complex instrument that is designed to return more than a term life policy to the insurance company.

I had to do this for an insurance client once who insisted that our performance was poor when we had returned more than 0.70 % year more than single - A corporate, which was quite good.

The average cost of return of premium life insurance is usually about 30 % higher than basic term life insurance.

But with more regulation and insurance the returns would be far less than the industry average of 70 - 80 % return.

Return - of - premium life insurance can cost hundreds of dollars more annually than traditional term life insurance.

And finally, if you're returning to Canada after more than six months away — teaching English in South Korea, say — you have to reapply for provincial health insurance, and there is usually a three - month wait.

The Interest Plus annuity from Bankers Life Insurance Company is designed for the individual who desires a higher than average rate of return, but with the ability to access funds for any reason or amount — without incurring an excessive surrender charge.

One great aspect of having an American Express card is their slew of benefits they give such as Travel benefits (things like Car Rental Loss and Damage Insurance coverage at no extra cost and 24/7 access to the Global Assist ® Hotline for emergencies when you are traveling more than 100 miles from home), Purchase protection (such as fraud protection, extended manufacturer's warranties, and return protection) and Entertainment benefits.

Return of premium term life insurance costs about two - thirds more than level term life insurance.

Frankly, because the rate of return on a whole life insurance cash value is lower than simply investing the money in your retirement account.

Less - than - ethical insurance salespeople may anchor buyers» attention on a single product attribute (for example, internal rates of return or guarantees) without explaining the assumptions.

So in addition to the inefficient packaging, you'll also more than likely get much less total return when investing in life insurance company subaccounts, compared to mutual fund investing.

$ 300 annual travel credit; $ 100 Global Entry / TSA Precheck credit; no foreign transaction fee; complimentary access to more than 1,000 airport lounges; select Visa Infinite hotel, air and car rental perks; trip cancellation and interruption insurance; car rental insurance; baggage delay insurance; lost luggage insurance; trip delay insurance; purchase protection; refund price differences; return protection; extended warranty; 24/7 customer service; exclusive events and experiences; zero fraud liability; year - end summary

Other Notable Features: $ 300 annual travel credit; $ 100 Global Entry / TSA Precheck credit; no foreign transaction fee; complimentary access to more than 1,000 airport lounges; select Visa Infinite hotel, air and car rental perks; trip cancellation and interruption insurance; car rental insurance; baggage delay insurance; lost luggage insurance; trip delay insurance; purchase protection; refund price differences; return protection; extended warranty; 24/7 customer service; exclusive events and experiences; zero fraud liability; year - end summary

Other Notable Features: $ 100 annual travel credit; $ 100 Global Entry or TSA Precheck credit; no foreign transaction fee; complimentary access to more than 900 airport lounges; select Visa Infinite hotel, air and car rental perks; trip cancellation and interruption insurance; car rental insurance; baggage delay insurance; lost luggage insurance; trip delay insurance; purchase protection; refund price differences; return protection; extended warranty; 24/7 customer service; exclusive events and experiences; zero fraud liability; year - end summary

And, the insurance company is probably not obligated to pay more than would be necessary to return your roof to the condition it was in before the new storm.

The premium for Attorney Fee Insurance is often fully contingent upon success, but typically costs less than one third of the return charged by litigation funders, which is a key differential that attorneys need to be aware of when advising their clients on potential litigation finance options.

Now, more than three years after the September 2010 changes, insurers are still making very healthy returns on their Ontario auto insurance business.

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.

Rather than accept life insurance for what it is — again, a replacement plan — these customers want some sort of return.

The premiums for a return premium term life plan are usually higher than for a regular level term life insurance policy, since the insurer needs to make money by using your premiums as an interest free loan, rather than as a non-returnable premium.

Return of premium life insurance is more expensive than other forms of term life insurance and can be over triple the cost of a standard term life insurance policy.

That being said, there are some downsides to whole life insurance including inflexible premiums, surrender charges if the client decides he or she no longer wants the policy, and the rate of return on a whole life insurance policy tends to be lower than other investments.