Sentences with phrase «insurance than term insurance»

Most carriers, especially the large ones, sell more permanent life insurance than term insurance.

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.

It also provides credit insurance to small companies in the U.S. who'd similarly like to sell to customers in other countries who might need more favorable purchasing terms than many small companies can offer.

They have relatively low default rates and terms that are often better than traditional banks, according to the NCUA and Federal Deposit Insurance Corp. (FDIC).

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.

On the other hand, it's also the reason why term life insurance is several times less expensive than cash value life insurance.

A primary reason whole life insurance is more expensive than term is because of its cash value.

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.

Further, our clients are able to leverage our global network of greater than 500 lenders, private equity firms, family offices, hedge funds and insurance companies to ensure a competitive dynamic and optimized terms.

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.

While guaranteed universal policies are still much more expensive than term policies, they're usually the cheapest way to buy permanent life insurance.

While this makes term life insurance significantly less expensive than permanent life insurance, it also means that you will not receive any benefit if you outlive the policy.

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.

No medical exam life insurance policies are available for both term and whole life insurance, but the death benefits for whole life coverage are typically limited to less than $ 50,000 (while term coverage is usually limited to $ 500,000).

Citigroup certainly gets insurance on more favorable terms than the First National Bank of Podunk.

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

Permanent life insurance is generally more expensive than term life insurance because it is intended to provide coverage for your lifetime.

On the other hand, if you have severe enough health problems to not qualify for term life insurance, mortgage life insurance will offer larger death benefits than many alternatives.

ART premiums start out lower than that of level term life insurance, but because they increase significantly, we typically do not recommend ART.

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.

One of the key differences to understand is that while you can purchase much more term life insurance than permanent insurance for your money, if you don't die during the term, your favorite charity won't receive any death benefit.

If you have less than $ 50,000 of group and supplemental term life insurance, you won't be taxed on the value of it.

Term life insurance is generally less expensive than whole life or universal life.

In addition, term life insurance policies are cheaper than other forms of insurance, so they're usually the best choice if you need a particularly large amount of coverage.

In both examples, term life insurance would provide an ample death benefit to the beneficiaries at a much lower cost than permanent life insurance, which may not be within the financial reach of these buyers.

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

Cash value life insurance is more expensive than term insurance during your younger years.

Loans with an LTV less than or equal to 90 % must carry mortgage insurance until the end of the term, or for the first 11 years of the term, whichever occurs first.

Yes, but you neglect to consider that the money you save by opting to go with term insurance can be invested, and you'll probably be out way ahead with that money for your beneficiaries and heirs rather than if they wait for you to die and collect their benefits through a whole life policy.

Especially in the latter case but also in the former, however, it's not typical for whole neighborhoods to be targeted in fraudulent cases, as that is (a) a lot riskier than doing something to your own property both in terms of getting caught in the first place as well as the penalties you will incur, (b) makes you at most part of something apparently bigger and denies the fraudster of the unique victimhood they seek and (c) in the case of insurance fraud, involves damaging things you can't collect on.

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.

Unfortunately, risk assessment is inadequate in terms of sports facilities and many fitness programs rely on the participants taking out insurance and signing legal waivers rather than their being taught safe practices and given a safe environment in which to exercise.

The report also found that low - income Texans were significantly more likely to have less confidence in understanding health insurance terms than those with higher incomes.

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.

Given what he knows about National Insurance and pension costs, he thinks that the right figure for a real - terms cut in funding over the life of the next Parliament from the IFS forecasts is closer to 12 than to seven per cent.

to take any action otherwise prohibited under subsections (a), (b), (c), or (e) of this section where age is a bona fide occupational qualification reasonably necessary to the normal operation of the particular business, or where differentiation is based on reasonable factors other than age; to observe the terms of a bona fide seniority system or any bona fide employee benefit plan such as a retirement, pension, or insurance plan, which is not a subterfuge to evade the purposes of this Act, except that no such employee benefit plan shall excuse the failure to hire any individual; or to discharge or otherwise discipline an individual for good cause

Therefore, if you're shopping for life insurance and being pitched whole life (or currently have a whole life policy), compare the cost to a 20 or 30 year term policy, and discuss your decision with a financial planner, rather than just your insurance agent.

This gives you a fixed cost that you can budget for year after year, which is different than the higher payments later in life with term life insurance.

(a) The premium for a whole life insurance policy is generally much higher than that of a term life insurance policy.

Permanent cash value life insurance policies cost much more than term, but also provide the added security of cash value accumulation.

For example, whole life insurance policy premiums tend to be far more costly than the premiums associated with term life insurance policies.

But the cash value of the policy is one of the things that makes it more expensive than term life insurance.

Annual renewable term life insurance policies are less common than level term policies.

While these products are all structured differently, the term and whole life insurance policies would fall within the category of final expense insurance, as they have limited payouts that are better suited to covering end - of - life costs than income replacement.

There are very limited circumstances that allow an insurance company to cancel a policy for claims history or anything else other than misrepresentation and the like during the policy term.

Both universal life and whole life insurance are much more complicated and expensive than term life insurance, and Policygenius recommends against them for most shoppers.