Sentences with phrase «invested over the life of the policy»

They're invested over the life of the policy.

Not exact matches

A large portion of your premiums payments will be invested in the insurance company's investment fund in whatever asset class you prefer (stocks, bonds, mutual funds, money market funds, etc.) Over time, this has the chance to generate a much larger cash value in your insurance account than a traditional whole life policy does.

Because the cash value portion is invested, there is a risk that you can end up losing cash value over the life of the policy.

Critics of whole life point out that you have no control over how the money in your policy is invested.

In any case, an important consideration that any potential owner of a variable policy should have is that he or she will have much more control over how their funds are invested in this type of life insurance plan.

She encourages her clients to think about how much life insurance fees would grow over time if invested elsewhere, then compare that to the cash value of a policy over the same term.

In any case, an important consideration that any potential owner of a variable policy should have is that he or she will have much more control over how their funds are invested in this type of life insurance plan.

While permanent life insurance policies have a cash - value component that accumulates savings and can be invested, you'll have the greatest control over your money and the potential to earn the highest returns if you invest it yourself, through the brokerage of your choosing, rather than through a life insurance policy.

If you invested the $ 584 each year, at a rate of 4 % per year over 20 years, you would net $ 17,390 — about the same as the return of premium on the life insurance policy.

Can you please prepare an analysis for me that shows the true cost of this cash value insurance policy over 5, 10, 15, 20, 25 and 30 years versus buying term life and investing the difference in long term bonds over those same time periods?

The insured person is covered for life (sometimes until age 100), and a portion of the policy is invested by the insurance company, building cash value on a tax - deferred basis over time.

Alternatively, if you prefer the probability of under performance over the guarantee of a fixed interest rate, a variable life insurance policy with sub-accounts invested in equities and bonds may possibly make more common sense for you.

Universal life insurance also includes the ability to alter the face value of the policy at a later date, to give the policy owner power over how the premiums are invested, and to even give you some flexibility in when and how much your premiums will be.

And if you choose a universal life policy there is even some potential for gains, because you have a degree of control over how the premiums are invested.

Therefore you will be much better off by buying the cheapest term life insurance policy and investing the difference in income producing assets such as real estate that has tendency of going up in value over time.