Sentences with phrase «life coverage if»

Similarly, it may also be best to stick with your term life coverage if you can't afford the premiums associated with a permanent policy that provides the same level of death benefit coverage.

It's wise to protect your family with term life coverage if you'd like simple, guaranteed coverage for your family in the event of your death.

It's wise to protect your family with term life coverage if you'd like simple, guaranteed coverage for your family in the event of your death.

Not exact matches

If you're living aboard, however, you'll need to notify your insurer and add coverage.

This site includes a live - chat feature that can connect you to a chat assistant in minutes, a click - through questionnaire to provide guidance, Q&A s on the law's basics, and information on what you need to know if your business already provides coverage.

If you are older and want a permanent life insurance policy, perhaps to cover estate taxes or leave an inheritance, guaranteed universal life insurance provides lifelong coverage with little to no cash value component.

If you want to get life insurance coverage immediately, but can't decide between term or whole, you don't have to.

If you want to give up your coverage and cash out your life insurance policy, you should first determine if you can sell it in a life insurance cash settlemenIf you want to give up your coverage and cash out your life insurance policy, you should first determine if you can sell it in a life insurance cash settlemenif you can sell it in a life insurance cash settlement.

A life insurance policy's cash value is essentially the amount of money you would receive if you decided to give up the policy to the insurer, or surrender your coverage.

Also, putting the money toward insurance if you don't have health, life or disability coverage can help protect your finances in the long run.

Financial planning software, or even simple Excel spreadsheets, can be used to determine if the client has enough money saved for retirement, or if the client has enough life insurance coverage, if the client's portfolio is well diversified and appropriately allocated given their risk tolerance and timeline to retirement.

However, it's a low - cost way to increase your life insurance coverage if you're a young parent or have significant debt that would be passed on to others, such as small business loans.

If your company offers group life insurance, accidental death and dismemberment coverage is often provided alongside your policy.

Since there's little cash value component to it, guaranteed universal life insurance is typically the best option if you're interested in permanent coverage without an investment component.

If they lived past their policy's maturity date, policyholders lost their coverage and received little cash value in return, since the funds had been used to pay premiums.

Permanent life insurance policies with a cash value component typically only make sense if you need lifelong coverage and have a large investment portfolio that you want to diversify.

No medical exam life insurance policies usually have no waiting period, but the company will investigate the circumstances of your death if it occurs during the first two years of coverage.

If you want final expense insurance and are unable to qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

If you're moderately healthy, no medical exam life insurance quotes will consistently be more expensive than fully underwritten quotes for the same amount of coverage.

If you're unable to qualify for fully underwritten life insurance but need over $ 50,000 in coverage, no medical exam term life insurance is your best option.

Term life insurance provides affordable coverage for a defined period of years, with its primary purpose to replace income or help pay off outstanding debts if the insured dies during that time.

If you are currently going through cancer treatments, life insurance coverage will be hard to find.

If you need a large amount of coverage, simplified issue life insurance isn't ideal for you because most life insurance companies cap the death benefit at $ 100,000 (some companies offer as high as $ 500,000.)

If you're unsure how much coverage you need, our life insurance needs calculator can help.

Term life insurance is an affordable option if you need coverage for 10, 15, 20, 25, or 30 years.

If you wish to continue life insurance coverage you must apply directly to SunLife within 31 days of your termination date.

Unless you have concerns regarding your ability to get coverage, such as if you've been diagnosed with a life - shortening condition like cancer, our analysis indicates this is a poor choice for most people.

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.

Term life insurance is typically the best choice if you want coverage for a mortgage or to replace your income until retirement, as these financial obligations will be reduced or eliminated with time.

Just make sure that the term policy will definitely cover the entire length of a financial obligation, as you'll have a harder time finding coverage and have to pay higher rates if you still need life insurance at age 80 or 90.

Foresters offers some of the best term life insurance rates in the market for seniors, and even offers coverage if you're over 70.

The riders available for a particular policy change by insurer, so if you'd like to customize your coverage using them, you'll want to check what exactly is available before you purchase the life insurance.

Since the growth of your policy's cash value is tax - deferred, variable life insurance might be a good consideration if you've maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.

If you're looking for coverage that lasts your lifetime, you'll want to consider a form of permanent life insurance.

A term life insurance policy offers coverage for a specified period of time, meaning that if you die during the term of the policy the beneficiary will receive the specified payout (also known as the death benefit or face value of the policy).

If you're unable to qualify for a fully underwritten or simplified issue life insurance policy but still need coverage, guaranteed acceptance whole life insurance is always an option.

So, if you live longer than expected, you won't have to continue payments to keep coverage in place.

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

Accidental death and dismemberment coverage can also act as a living benefit, as the dismemberment coverage provides a payout if you receive certain injuries in an accident.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

If you want coverage for a fixed period of time, such as 10 or 15 years, term life insurance will be your least expensive option, and you can purchase hundreds of thousands of dollars in coverage.

Any term life insurance policy from Foresters can also be converted to a permanent life insurance policy if you still need coverage later.

If, for example, you received a significant promotion and raise 5 years after purchasing term coverage, you might want to convert to a permanent life insurance policy to take advantage of the tax benefits and receive dividends.

However, if you have certain pre-existing medical conditions, guaranteed whole life insurance may be your best option for coverage.

If you have limited resources to devote to life insurance or you only need coverage for a limited period (e.g., until your children finish college), term insurance may be the right choice for you.

However, because the premiums for term insurance become more expensive as you get older, cash value insurance, which has level premiums, may be the more economical option if you want coverage throughout your life.

If you opt not to watch speed skating events live on NBCOlympics.com or the NBC Sports App, you'll find the most comprehensive speed skating coverage on NBCSN.

If I knew I could get a few month's live coverage of it on the internet, I would consider getting rid of cable tv for a while.

We may, if you wish, allow that he was sometimes imperfectly reported, and it is certain that we have a very inadequate «coverage» of the most important life the world has ever seen, but the more one studies these brief and incomplete records, the more unthinkable it becomes that they should be mere human fabrications.

The two sides finished up after 5 a.m. on the East Coast, so if you wake up early for work in that time zone, you might have even caught coverage of the tail - end of a game that was very much live.