Sentences with phrase «life insurance investment needs»

Not exact matches

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!

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.

A financial advisor can help clients evaluate whether their assets are adequately diversified for maximum return and minimum risk; compare current asset distribution with recommended distributions for age and investment objectives; and analyze retirement, estate and life insurance needs.

Unsecured personal loans can help school teachers fund temporary cash needs without having to pledge collateral such as a house, boat, car, life insurance, or investment account.

There is sometimes a thought that you don't need life insurance, since your investment portfolio will eventually grow to the point where you will be effectively self - insured.

Whole life insurance is not a good standalone investment, and needs to be considered as part of a diverse portfolio.

While whole life insurance is priced to provide you with lifelong insurance coverage, Ramsey doesn't see the need for such coverage later in life if you have followed his plan and built yourself a solid retirement investment portfolio.

Each variable universal life insurance investment has management fees which need to be considered, similar to when you're evaluating a mutual fund.

You could also cash out the cash value and invest it in something more aggressive; whole life insurance is an inherently conservative play, and because you have a long period of time before you need money for retirement, it may make more sense to take the income tax hit now and better utilize that money in a more aggressive investment portfolio.

Whole life insurance is generally a bad investment unless you need permanent life insurance coverage.

Cash value life insurance is an extremely safe investment that can be utilized as needed to fund higher risk / return investments.

For example, if you're going to use the Asset Allocation Software to run an investment asset allocation report, College Planning Calculator to show what's needed to send kids to college, Life Insurance Need Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (CLife Insurance Need Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow ProjectInsurance Need Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (CNeed Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (Clife insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projectinsurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (Cneed, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (CFP).

More than investment planning, you need to plan for sufficient life insurance cover.

Life insurance companies are harmed by low rates because they need high income from their investments to pay future obligations to policy holders and those receiving annuities.

From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the diverse financial needs of individuals and corporate sector.

In a typical scenario, you don't need life insurance in retirement because you no longer have income to replace (instead, you're drawing income from investments), and in many cases, you've paid off big debts, such as a mortgage.

Many people have less need for life insurance as their investments grow — in effect, they become self - insured.

Don't be pressured into buying an investment or life insurance product you don't need or want.

I do not believe that life insurance makes a good investment, especially for us, as we have no need for actual life insurance.

An investment bond is technically a life insurance policy so you need to nominate a life to be insured and a beneficiary.

A savings oriented unit linked insurance plan that offers you multiple fund options to suit your investment needs with a life insurance cover to protect your family in case of any unfortunate event.

«Term life is great for income replacement during your working years, but it's generally not suitable for a permanent need such as estate planning,» says Tom Ewanich, vice president and actuary at Fidelity Investments Life Insurance Complife is great for income replacement during your working years, but it's generally not suitable for a permanent need such as estate planning,» says Tom Ewanich, vice president and actuary at Fidelity Investments Life Insurance CompLife Insurance Company.

Paying for life insurance on children is a decent investment unless you're made of money to pay for a funeral and can afford to take months of if need be for grieving time.

New York Life Variable Universal Life Accumulator Plus and Survivorship Variable Universal Life Accumulator policies are designed for those who need life insurance protection, but who are also investment - minded and desire the potential for greater cash value accumulation than is generally available in a fixed insurance prodLife Variable Universal Life Accumulator Plus and Survivorship Variable Universal Life Accumulator policies are designed for those who need life insurance protection, but who are also investment - minded and desire the potential for greater cash value accumulation than is generally available in a fixed insurance prodLife Accumulator Plus and Survivorship Variable Universal Life Accumulator policies are designed for those who need life insurance protection, but who are also investment - minded and desire the potential for greater cash value accumulation than is generally available in a fixed insurance prodLife Accumulator policies are designed for those who need life insurance protection, but who are also investment - minded and desire the potential for greater cash value accumulation than is generally available in a fixed insurance prodlife insurance protection, but who are also investment - minded and desire the potential for greater cash value accumulation than is generally available in a fixed insurance product.

As a final step, subtract your needs from your current savings such as your 401 (k) and investments to estimate how much life insurance coverage you may need.

Most people do not need whole life insurance or insurance that mixes investment products with insurance.

If you are doing things properly, you won't need life insurance your whole life, as retirement investments will eventually replace your working income.

You'll also need to review withdrawal options and fees, in the case that you end up using this investment for retirement rather than life insurance.

Many insurance experts recommend separating your life insurance and investment needs, meaning never using your life insurance policy as an investment vehicle.

As a child living at home we lost everything during the 1972 flood caused by hurrican Agnes so I know how important flood insurance is, but Ido not need it, nor will I ever where I live, but if you feel so strongly about it, why do nt you buy it, then if we are ever flooded your investment in our home will be covered.

This strategy can be utilized for both buying assets as well as liabilities without needing to remove your cash from the investment (i.e. whole life insurance using non-direct recognition companies) that is continually working AND compounding to generate a consistent rate of return.

In general you'll need to input the EXACT same parameters into both software (the life insurance illustration software and the Investment Comparator) for the results to have any meaning.

The easy - to - use tools include several analytical calculators to provide personalized calculations and analysis of your net worth, budget, expenses, mortgage payment options, buy versus lease, life insurance requirement, investment goals, tax - advantaged investments, loan interest payments, debt consolidation, accelerated debt payoff, savings plan, child education costs, retirement planning, retirement income needs, RRSP contributions, and RRIF payments.

Your agent can evaluate your life insurance and investment needs and help choose the right policy for you.

Generally the amount of protection you need is a combination of what it would cost to help your surviving family members and dependents meet their current needs (like taxes, food, clothing, utilities, mortgage payments, etc.) plus future obligations (like college and retirement funding)-- minus the resources that your surviving family members could draw upon to meet those obligations (spouse's income, savings and investments, other income producing assets, and any life insurance you might already own).

I've tended to prefer term insurance for death benefit needs and traditional, portfolio - based (meaning investment returns are driven by the insurance company's general portfolio / account) whole life insurance with a mutual insurance company for permanent death benefit and cash accumulation needs.

While there are many advantages of owning a variable life insurance policy, it is also important to consider some key factors prior to moving forward in order to be sure that this type of policy is the best option for you and your specific insurance and investment needs.

However, by getting a firm grasp of North Carolina term life insurance and life insurance with an investment, you can walk into purchasing life insurance confidently and armed with all the information you need to make the right decision.

The death benefit from a life insurance policy can be used for immediate needs such as paying for medical expenses and a funeral as well as longer term needs such as mortgage assistance, funding educational expenses, replacing lost income and potentially maintaining other investments.

Once our children grow up, our house gets paid off and our investments are large enough, we probably don't need any life insurance.

Financial planners don't recommend cash - value life insurance as an investment unless you've maxed out contributions to tax - advantaged retirement accounts, such as IRAs and 401 (k) s, have saved for emergencies and other pressing needs, and are able to commit to a policy for the long term.

A life insurance policy is an investment like equites, fixed income or real estate, and should be reviewed from time to time to see if it still meets the needs for which it was initially purchased.

Individually and collectively, these are designed to meet your insurance, savings and investments needs in life.

* Life insurance needs to be viewed from the lens of «disciplined savings» and asset allocation rather than «investment».

A permanent policy, like whole life, might make sense if both an investment (because you've maxed out other tax - effective accounts) and a life - long insurance need is present.

Death benefits required + income replacement required — investments and retirement savings = life insurance needs.

However, in this environment, you'll also need to consider the intentions you have with life insurance which exist in addition to your investments.

New product offerings addresses the customer need for protection, tax saving, investment and wealth creation New Delhi, January 2, 2014: PNB MetLife India Insurance Company Limited (PNB MetLife), one of India's leading life insurance companies announced the launch of 16 new life insurance products today compliant with the IRDA guInsurance Company Limited (PNB MetLife), one of India's leading life insurance companies announced the launch of 16 new life insurance products today compliant with the IRDA guinsurance companies announced the launch of 16 new life insurance products today compliant with the IRDA guinsurance products today compliant with the IRDA guidelines.

Aviva Life Insurance Company offers a range of traditional / Investment plans to its customers to meet all their savings and protection related needs.

Again, this is more complicated than most people looking for life insurance need, and it isn't your best available option for an investment or insurance.