Sentences with phrase «joint life expectancy of»

Since your premium is based upon the joint life expectancy of both insureds — like you and your spouse — survivorship life insurance is usually less expensive per thousand dollars of death benefits than traditional universal life insurance.

The premium is based on the joint life expectancy of a couple, and because it pays nothing until both spouses die, the premium is significantly less expensive than buying separate policies for both people with the same total dollar amount in benefits.

Since the cost per thousand dollars of death benefit is based upon the joint life expectancy of both parties the premium can be significantly less than the cost of purchasing two individual policies.

Survivorship life insurance can be more affordable than two individual policies because rates are calculated based on the joint life expectancy of the insured individuals.

Our wrongful death attorneys can calculate the accurate dollar amount to use for an insurance settlement based on variables such as the joint life expectancy of the couple.

After all, as the chart below indicates (from Spending Flexibility and Safe Withdrawal Rates by Michael Finke, Wade Pfau, and Duncan Williams from the March 2012 issue of the Journal of Financial Planning, and based on the Social Security Administration period life table for 2007), the probability of a joint life expectancy of 30 years for a 65 - year - old couple (to age 95) is already as low as 18 %.

Certain distributions spread over a period of at least 10 years or over your life or life expectancy (or the lives or joint life expectancy of you and your beneficiary);

The premium is based on the joint life expectancy of the couple.

Substantially equal periodic distributions that start after you separate from service over your life or life expectancy (or the lives or joint life expectancy of you and your beneficiary);

Not exact matches

Hip replacement surgery not only improves quality of life but is also associated with increased life expectancy, compared to people of similar age and sex, reports a study in Clinical Orthopaedics and Related Research ® (CORR ®), a publication of The Association of Bone and Joint Surgeons ®.

RA is the most common chronic inflammatory joint disease, affecting about 0.5 - 1 % of the general population and causing progressive joint destruction, disability and reduced life expectancy.

RA can decrease life expectancy, but «with modern therapies, we are seeing less rheumatoid disease outside of the joints, and patients are living longer,» he says.

With the break - up of the joint family system in India, increase in longevity (life expectancy) due to advanced medical innovations, shorter work - span and lower job security; «Retirement Planning» assumes greater importance.

Because the premium for survivorship insurance is based on joint life expectancy, the cost is usually less (per thousand dollars of death benefit) than it would be for a policy covering either life alone — and significantly less expensive than buying two separate policies.

Yet the problem isn't just adding 5 years of joint life expectancy in light of the client's family longevity.

While this is straightforward for a single client, it's a little messier for a married couple, as the software still only gives an individual life expectancy for each member of a couple, and not a joint life expectancy for both.

Weight Issues Overweight dogs tend to develop a variety of problems, such as joint disease, a higher risk of cancer and gastrointestinal problems, in addition to having a shorter life expectancy.

Substantially equal payments: If your IRA distribution is part of a series of substantially equal periodic (not less frequently than annually) payments made for your life (or life expectancy) or the joint lives (or joint life expectancies) of you and your designated beneficiary, the withdrawal is generally not subject to the 10 % tax penalty.

With the break - up of the joint family system in India, increase in longevity (life expectancy) due to advanced medical innovations, shorter work - span and lower job security; «Retirement Planning» assumes greater importance.

On top of that, a joint team of Harvard and Stanford researchers looked at data from the General Social Survey and the American Community Survey and found that stressful jobs might actually lower your life expectancy.