Sentences with phrase «life insurance benefit even»

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Even though some of the best talent working for small businesses these days is young and doesn't always see the value in things like healthcare or life insurance, business owners will be better able overall to attract and retain good employees by offering those benefits.

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

Thousands of retirees (and younger folks, too) are benefiting from a higher quality of life and a lower cost of living in places overseas where even a little goes a long, long way — whether it be filling a tank of gas, getting the week's groceries, paying for health insurance, or making all the other ends of a monthly budget meet.

Similarly, guaranteed acceptance whole life insurance offers the ability to skip detailed health questions and the medical exam, but premiums will be even higher and the death benefit will be limited (typically less than $ 100,000).

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

Or you may wish to lock in a steady rate with a permanent life insurance policy, which accrues cash value, and pays a guaranteed death benefit, even if you live to be 100 years old.

Similarly, guaranteed acceptance whole life insurance offers the ability to skip detailed health questions and the medical exam, but premiums will be even higher and the death benefit will be limited (typically less than $ 100,000).

A decreasing term life policy (aka mortgage life insurance) features a death benefit that declines over time, even while the premium typically stays the same.

In addition, even if the best company for you is a mutual company, you still have to consider if the company practices direct vs non-direct recognition, if they are participating whole life insurance and if they allow the policy to be maximized for cash value growth or death benefit.

Life insurance can help you plan for retirement, provide death benefits for your dependents, and even manage your tax legacy or plan your charitable giving.

Like traditional life insurance, the death benefit of a second - to - die policy can ensure your beneficiaries receive a minimum amount of money, even if savings and other retirement income is spent during the lives of you and your spouse.

By spreading your death benefit out over a period of years, you will help preserve the money and may even help you qualify for a lower life insurance premium at the same time.

So, even if in his will, your father stated that he wanted you and your siblings to receive life insurance death benefits, but the actual life insurance contract names your aunt as the sole beneficiary, the life insurance contact supersedes what he says in the will.

Mortgage insurance pays out one benefit even if both spouses die, whereas some individual life insurance plans pay out double the face value if both spouses die.

But if you have enough wealth for your estate to be taxed - at either the state or federal level - you should consider the tax benefits of a life insurance policy to help provide funding to pay estate taxes by reducing or even eliminating them.

A properly structured life insurance policy may provide a benefit that ensures that college is financially feasible even in the event of your death.

On the down side, purchasing term life insurance, even for SBA loan purposes, can be rightly referred to as «renting a death benefit».

Inheritances, life insurance benefits, even lottery winnings, are considered property of the bankruptcy estate if the debtor becomes entitled within 6 months of the date of filing.

Some life insurance applicants expect even more from their death benefit.

It's not just your age that factors in your life insurance premiums going up, getting insurance at 40 will benefit you even better than waiting to purchase life insurance over 50.

Credit scores affect day - to - day life including better interest rates, loans, deposits on utilities, lower insurance rates, or even receiving better rewards and benefits from your current credit cards.

Life insurance proceeds could be used to create a nest egg — or even a scheduled income distribution plan — that will make up for the lost Social Security benefit.

Accelerated death benefit riders are available for most life insurance policies; in fact, your policy may have such a rider and you might not have even known about it.

As Laura and I went through the insurance options in the booklet, even an extra $ 50 in premiums for more coverage made her sit back and consider: did she really need to spend that much for a cost - of - living adjustment on disability benefits?

Make sure you can continue your health insurance benefits even when your marital, job or life status changes.

Even if you have to accept a reduced death benefit in order to make the policy affordable, it will be far better than having no life insurance coverage at all.

It even has a few benefits as key person life insurance if a simple death benefit is the goal.

Variable universal life insurance is even less stable that their IUL counterpart above, so these may also not be ideal where the death benefit is the primary goal.

Now here is a huge benefit; the cash in your policy continues to earn guaranteed interest and potential dividends, even though you took out a loan against your life insurance cash value.

The problem is that whole life insurance almost never beats term life insurance compared to investing the difference in mutual funds, even after the tax - sheltering benefits.

Even the making of the will or a trust, or allocation of a death benefit from a life insurance policy can be validly limited by a prenuptial agreement.

Most people find it morally offensive that they have to ask their insurance company to pay — and find it even more offensive that the driver who caused the accident can ask their own insurance company for the same accident benefits: «Why should the drunk guy who was looking at his cell - phone and caused horrible injuries and ruined my life get access to the same benefits that I do»?

Some clients will even get two policies from different carriers if they need more than 500k of life insurance because you can't beat the benefit of securing term life insurance online rapidly with no medical exam.

I think life insurance is a much safer bet than Vegas, because if you die while your life insurance policy is «In Force» your beneficiary will receive the death benefit, but in Vegas your odds aren't even 50/50 on any form of gambling.

Erie Family Life can help with life insurance solutions for funding business continuation plans, key person protection and even employee benefits like deferred compensation and executive bonus plLife can help with life insurance solutions for funding business continuation plans, key person protection and even employee benefits like deferred compensation and executive bonus pllife insurance solutions for funding business continuation plans, key person protection and even employee benefits like deferred compensation and executive bonus plans.

It quite literally will accelerate a portion of the death benefit of your life insurance policy to you, even when you're still alive.

A variable life insurance policy does offer a guaranteed death benefit, which will not fall below a minimum amount even if the invested assets devalue significantly.

I haven't even mentioned the life insurance benefit.

Not only can you reduce your death benefit and withdraw from the cash value, you can use the cash value as security on a life insurance loan, or even sell the policy to a company that buys policies.

If you're within the first few years of being cancer - free, look into the life insurance offerings of your employer or even the benefits of your spouse's company.

With whole life insurance, the premium amount will never increase, and the amount of the death benefit will not decrease — even as the insured gets older (and even if he or she contracts an adverse health issue).

Unlike other life insurance coverage, term life insurance rates can increase over time, the policy doesn't usually offer any sort of cash value benefit and even policies that offer the ability to convert the policy may end up being too expensive to continue coverage.

A life insurance policy may make sense and the cash benefit your beneficiary receives can help cover some financial costs left behind such as every day costs or even estate taxes.

If your concern is not income protection, but instead you want to make sure that you can provide a life insurance benefit to perhaps a child, grandchild, or even charity when you pass away then a term policy would probably not be the wisest option.

Buying health insurance is something that almost all Americans realize the need for because unlike a life insurance policy where the insured will never even see the policy used to cash in for the death benefit because they will already be dead a health insurance policy is often used on a monthly basis for doctors visits, prescriptions, and other medical care.

Even if the spouse dies before the retiree, they can still receive a death benefit from the life insurance policy.

Because of that, a term life insurance policy can often be quite affordable — even for a large death benefit amount.

You may even have to pay more in life insurance premiums to keep the policy in force or see reduced death benefits.

Many employers offer a basic life insurance as a benefit and some even allow you to purchase additional coverage at a very affordable rate.

Even the benefit rich positions with state and federal governments typically don't give their employees life insurance after their employment ends (for whatever reason).