Sentences with phrase «life insurance owners need»

This is more complicated than most life insurance owners need, but it can be a useful option if available.

Not exact matches

As a business owner, I can't decide to provide insurance that doesn't cover gastrointestinal care because I think everyone should live on the «Daniel diet» of fruits and grains and thus shouldn't need it.

People who need permanent life insurance protection but wish to take advantage of possible cash accumulation via an equity index might use IULs as key person insurance for business owners, premium financing plans or estate - planning vehicles.

Condo insurance is a very specific type of homeowners insurance that is designed specifically to meet the unique needs of those who live in cooperative living arrangements, such as condo and townhouse owners.

Using life insurance to fund a buy sell agreement provides the needed liquidity to make sure the business can survive the loss of an owner.

Business owners who are looking at the long game may also benefit from both when considering needs such as key person (key man) life insurance.

Business owners utilize life insurance to ensure the availability of capital in times of need.

When life insurance policy owners no longer want, need, or can afford to continue to pay policy premiums, they traditionally have surrendered their policies to the issuer for their cash surrender value.

A type of Permanent Life insurance that gives the policy owner flexibility with regard to the face amount and premium amounts, which can be modified to respond to changing needs and circumstances.

For example, universal life and variable universal life insurance policies allow policy owners to adjust premiums and death benefits to suit their financial needs.

Term life insurance is affordable, perfectly matched to the needs of most business owners, and simple to apply for if you use Quotacy.

The majority of people are probably not going to need this much life insurance, but if you are a very high - income individual, have a lot of debt, or are a business owner who has a buy / sell agreement in place with a partner, this amount of insurance may be necessary.

Some of a small business owners need for life insurance is related to personal coverage — just as it is for everyone else.

At a minimum, the small business owner will need to have a life insurance policy on the key man in an amount sufficient to cover the transition period that will be required in order to find a replacement for the departed salesman.

This is especially true if the business owner is young, when the need for life insurance is the greatest but the ability to pay is limited.

The policy owner's children may have attained their own success, are financially well - off and no longer need the money a life insurance policy would provide.

Pet insurance policies have become more popular over the years as pet owners discover that they fulfill a need that can increase their pet's quality of life AND keep their wallets from being drained.

I want to share the story of my sweet boy Jackson in the hopes that other pet owners can make a wise and informed consumer decision about the important need of purchasing pet health insurance as early as possible in your pet's life.

You may make the Center owner and beneficiary of a life insurance policy that you no longer need.

California: The ACME Foundation: Clearlake (veterinary care assistance for senior and disabled pet owners) Actors and Others for Animals: Greater Los Angeles area (pet food, spay / neuter assistance, assistance for necessary veterinary medical care) Animal Assistance League of Orange County: Orange County (pet food, transportation and veterinary care assistance) Animal Health Foundation: Los Angeles and Orange Counties (veterinary care assistance) AnimalSave: Green Valley (pet food, spay / neuter assistance) Animal Welfare Assistance Group: Monterey County (veterinary care assistance, spay / neuter; pet food and supplies for seniors, disabled veterans, owners of service dogs and others; pet care resources and referrals) Bad Rap: San Francisco (pit bull - specific assistance for finding rental housing and insurance) California Department of Social Services Assistance Dog Special Allowance (ADSA) Program: Statewide (provides monthly stipend to eligible persons who use a guide, signal, or service dog) Cat People: Bakersfield (cat food / litter, spay / neuter assistance, vaccination assistance) 661-327-4706 Cats in Need (of Human Care): Southern California, multiple locations (spay / neuter assistance) The Chester Foundation: Sacramento region (veterinary care assistance) FACE Foundation: San Diego (grant assistance for pets in need of emergency or critical care) FixNation: Los Angeles (spay / neuter assistance for cats) Friends of Long Beach Animals: Long Beach (spay / neuter assistance) Haven Humane Society: Redding (low - cost spay / neuter, pet food assistance, emergency veterinary grants for residents receiving Medi - Cal or Medicare) Clinic: 530-241-1658; Shelter: 530-241-1653 Helen Woodward Animal Center: Rancho Santa Fe (pet food) Helen Woodward Animal Center Animeals program: San Diego County (free pet food for the dogs and cats of elderly or disabled people) Humane Society of San Bernardino Valley: San Bernardino (low - cost spay / neuter) Humane Society of Truckee - Tahoe: Truckee, Sierra County, Eastern Placer County or Eastern Nevada County (pet food pantry and low cost / free spay & neuter programs for Pit Bulls, Chihuahuas, and those that qualify) Keep Your Pet: Sacramento (behavior assistance, veterinary care assistance, services for seniors) LA Animal Services: Los Angeles (spay / neuter, vaccination and microchip assistance) Marin Humane Society: Novato (pet care assistance to low - income seniors, persons living with HIV / AIDS and those receiving hospice services; please see website for complete list of services) Mercy Crusade's Spay and Neuter Clinic: Oxnard (spay / neuter and vaccination assistance) Mojave Desert Animal Rescue: Western Mojave Desert (pet food & supplies and veterinary assistance for homeless, unemployed, disabled, and senior pet guardians) Mountains» Humane Society: Lake Arrowhead (pet food, spay / neuter assistance) Napa Humane: Napa (spay / neuter assistance) Ohlone Humane Society Special Assistance Program: Fremont, Union City, and Newark (veterinary care assistance, pet food, spay / neuter assistance) Orange County SPCA Animal Rescue Fund: Orange County (assistance for veterinary care including spay / neuter) Palo Alto Humane Society: Palo Alto (spay / neuter assistance, assistance for emergency veterinary care) PALS: Pets Are Loving Support (veterinary care assistance programs for senior, disabled or ill pet owners) Pasadena Humane Society: Pasadena (spay / neuter assistance) PAWS / LA: Hollywood (pet food and supplies, veterinary medical care assistance, grooming, spay / neuter, veterinary care assistance programs for senior, disabled or ill pet owners, and other services) PAWS San Francisco: veterinary care assistance programs for senior, disabled or ill pet owners Peninsula CatWorks: veterinary care assistance for cats only Pet Assistance Foundation: Multiple Locations, Southern California (spay / neuter assistance for dogs, cats, and rabbits) Pet Orphans of Southern California: Van Nuys (veterinary care assistance) The Pet Rescue Center's Pet Pantry: Orange County (pet food, litter, and flea treatments for unemployed, senior, or disabled pet owners) Pets Are Wonderful Support: San Diego (pet food / litter, pet supplies, veterinary assistance, animal transport, temporary foster program, veterinary care assistance programs for senior, disabled or ill pet owners) Placer SPCA SOS Program: Placer County (rental deposits, temporary boarding, pet food and veterinary care assistance) Rescuing Unwanted Furry Friends (RUFF): Laguna Beach (pet food) Riverside County Department of Animal Services: Riverside (spay / neuter assistance) Sacramento SPCA: Sacramento (pet food, spay / neuter assistance) The Sam Simon Foundation: Los Angeles (free surgery for non-orthopedic procedures; free spay / neuter operations, including vaccinations, flea control, deworming, nail trims, and antibiotics) Sammie's Friends: Grass Valley (veterinary care assistance) San Francisco SPCA Animal Hospital: veterinary care assistance programs for senior, disabled or ill pet owners, spay / neuter assistance Santa Cruz SPCA: Santa Cruz (pet food, spay / neuter assistance) Santa Maria Valley Humane Society: Santa Maria (spay / neuter assistance, microchips, pet food bank) SEAACA: Downey (veterinary medical care assistance, spay / neuter, vaccination assistance) Sequoia Humane Society: Eureka (spay / neuter assistance) SHARE Marin Humane Society: veterinary care assistance programs for senior, disabled or ill pet owners Spay Neuter Animal Network (SPAN): Ventura (spay / neuter assistance) SPCA for Monterey County: Monterey (pet food, spay / neuter and vaccination assistance) Tony La Russa's Animal Rescue Foundation: Walnut Creek (pet food, spay / neuter assistance, emergency veterinary assistance) VET SOS: San Francisco (free veterinary care and supplies for pets of the homeless) Voice for the Animals Foundation: Santa Monica (veterinary care assistaNeed (of Human Care): Southern California, multiple locations (spay / neuter assistance) The Chester Foundation: Sacramento region (veterinary care assistance) FACE Foundation: San Diego (grant assistance for pets in need of emergency or critical care) FixNation: Los Angeles (spay / neuter assistance for cats) Friends of Long Beach Animals: Long Beach (spay / neuter assistance) Haven Humane Society: Redding (low - cost spay / neuter, pet food assistance, emergency veterinary grants for residents receiving Medi - Cal or Medicare) Clinic: 530-241-1658; Shelter: 530-241-1653 Helen Woodward Animal Center: Rancho Santa Fe (pet food) Helen Woodward Animal Center Animeals program: San Diego County (free pet food for the dogs and cats of elderly or disabled people) Humane Society of San Bernardino Valley: San Bernardino (low - cost spay / neuter) Humane Society of Truckee - Tahoe: Truckee, Sierra County, Eastern Placer County or Eastern Nevada County (pet food pantry and low cost / free spay & neuter programs for Pit Bulls, Chihuahuas, and those that qualify) Keep Your Pet: Sacramento (behavior assistance, veterinary care assistance, services for seniors) LA Animal Services: Los Angeles (spay / neuter, vaccination and microchip assistance) Marin Humane Society: Novato (pet care assistance to low - income seniors, persons living with HIV / AIDS and those receiving hospice services; please see website for complete list of services) Mercy Crusade's Spay and Neuter Clinic: Oxnard (spay / neuter and vaccination assistance) Mojave Desert Animal Rescue: Western Mojave Desert (pet food & supplies and veterinary assistance for homeless, unemployed, disabled, and senior pet guardians) Mountains» Humane Society: Lake Arrowhead (pet food, spay / neuter assistance) Napa Humane: Napa (spay / neuter assistance) Ohlone Humane Society Special Assistance Program: Fremont, Union City, and Newark (veterinary care assistance, pet food, spay / neuter assistance) Orange County SPCA Animal Rescue Fund: Orange County (assistance for veterinary care including spay / neuter) Palo Alto Humane Society: Palo Alto (spay / neuter assistance, assistance for emergency veterinary care) PALS: Pets Are Loving Support (veterinary care assistance programs for senior, disabled or ill pet owners) Pasadena Humane Society: Pasadena (spay / neuter assistance) PAWS / LA: Hollywood (pet food and supplies, veterinary medical care assistance, grooming, spay / neuter, veterinary care assistance programs for senior, disabled or ill pet owners, and other services) PAWS San Francisco: veterinary care assistance programs for senior, disabled or ill pet owners Peninsula CatWorks: veterinary care assistance for cats only Pet Assistance Foundation: Multiple Locations, Southern California (spay / neuter assistance for dogs, cats, and rabbits) Pet Orphans of Southern California: Van Nuys (veterinary care assistance) The Pet Rescue Center's Pet Pantry: Orange County (pet food, litter, and flea treatments for unemployed, senior, or disabled pet owners) Pets Are Wonderful Support: San Diego (pet food / litter, pet supplies, veterinary assistance, animal transport, temporary foster program, veterinary care assistance programs for senior, disabled or ill pet owners) Placer SPCA SOS Program: Placer County (rental deposits, temporary boarding, pet food and veterinary care assistance) Rescuing Unwanted Furry Friends (RUFF): Laguna Beach (pet food) Riverside County Department of Animal Services: Riverside (spay / neuter assistance) Sacramento SPCA: Sacramento (pet food, spay / neuter assistance) The Sam Simon Foundation: Los Angeles (free surgery for non-orthopedic procedures; free spay / neuter operations, including vaccinations, flea control, deworming, nail trims, and antibiotics) Sammie's Friends: Grass Valley (veterinary care assistance) San Francisco SPCA Animal Hospital: veterinary care assistance programs for senior, disabled or ill pet owners, spay / neuter assistance Santa Cruz SPCA: Santa Cruz (pet food, spay / neuter assistance) Santa Maria Valley Humane Society: Santa Maria (spay / neuter assistance, microchips, pet food bank) SEAACA: Downey (veterinary medical care assistance, spay / neuter, vaccination assistance) Sequoia Humane Society: Eureka (spay / neuter assistance) SHARE Marin Humane Society: veterinary care assistance programs for senior, disabled or ill pet owners Spay Neuter Animal Network (SPAN): Ventura (spay / neuter assistance) SPCA for Monterey County: Monterey (pet food, spay / neuter and vaccination assistance) Tony La Russa's Animal Rescue Foundation: Walnut Creek (pet food, spay / neuter assistance, emergency veterinary assistance) VET SOS: San Francisco (free veterinary care and supplies for pets of the homeless) Voice for the Animals Foundation: Santa Monica (veterinary care assistaneed of emergency or critical care) FixNation: Los Angeles (spay / neuter assistance for cats) Friends of Long Beach Animals: Long Beach (spay / neuter assistance) Haven Humane Society: Redding (low - cost spay / neuter, pet food assistance, emergency veterinary grants for residents receiving Medi - Cal or Medicare) Clinic: 530-241-1658; Shelter: 530-241-1653 Helen Woodward Animal Center: Rancho Santa Fe (pet food) Helen Woodward Animal Center Animeals program: San Diego County (free pet food for the dogs and cats of elderly or disabled people) Humane Society of San Bernardino Valley: San Bernardino (low - cost spay / neuter) Humane Society of Truckee - Tahoe: Truckee, Sierra County, Eastern Placer County or Eastern Nevada County (pet food pantry and low cost / free spay & neuter programs for Pit Bulls, Chihuahuas, and those that qualify) Keep Your Pet: Sacramento (behavior assistance, veterinary care assistance, services for seniors) LA Animal Services: Los Angeles (spay / neuter, vaccination and microchip assistance) Marin Humane Society: Novato (pet care assistance to low - income seniors, persons living with HIV / AIDS and those receiving hospice services; please see website for complete list of services) Mercy Crusade's Spay and Neuter Clinic: Oxnard (spay / neuter and vaccination assistance) Mojave Desert Animal Rescue: Western Mojave Desert (pet food & supplies and veterinary assistance for homeless, unemployed, disabled, and senior pet guardians) Mountains» Humane Society: Lake Arrowhead (pet food, spay / neuter assistance) Napa Humane: Napa (spay / neuter assistance) Ohlone Humane Society Special Assistance Program: Fremont, Union City, and Newark (veterinary care assistance, pet food, spay / neuter assistance) Orange County SPCA Animal Rescue Fund: Orange County (assistance for veterinary care including spay / neuter) Palo Alto Humane Society: Palo Alto (spay / neuter assistance, assistance for emergency veterinary care) PALS: Pets Are Loving Support (veterinary care assistance programs for senior, disabled or ill pet owners) Pasadena Humane Society: Pasadena (spay / neuter assistance) PAWS / LA: Hollywood (pet food and supplies, veterinary medical care assistance, grooming, spay / neuter, veterinary care assistance programs for senior, disabled or ill pet owners, and other services) PAWS San Francisco: veterinary care assistance programs for senior, disabled or ill pet owners Peninsula CatWorks: veterinary care assistance for cats only Pet Assistance Foundation: Multiple Locations, Southern California (spay / neuter assistance for dogs, cats, and rabbits) Pet Orphans of Southern California: Van Nuys (veterinary care assistance) The Pet Rescue Center's Pet Pantry: Orange County (pet food, litter, and flea treatments for unemployed, senior, or disabled pet owners) Pets Are Wonderful Support: San Diego (pet food / litter, pet supplies, veterinary assistance, animal transport, temporary foster program, veterinary care assistance programs for senior, disabled or ill pet owners) Placer SPCA SOS Program: Placer County (rental deposits, temporary boarding, pet food and veterinary care assistance) Rescuing Unwanted Furry Friends (RUFF): Laguna Beach (pet food) Riverside County Department of Animal Services: Riverside (spay / neuter assistance) Sacramento SPCA: Sacramento (pet food, spay / neuter assistance) The Sam Simon Foundation: Los Angeles (free surgery for non-orthopedic procedures; free spay / neuter operations, including vaccinations, flea control, deworming, nail trims, and antibiotics) Sammie's Friends: Grass Valley (veterinary care assistance) San Francisco SPCA Animal Hospital: veterinary care assistance programs for senior, disabled or ill pet owners, spay / neuter assistance Santa Cruz SPCA: Santa Cruz (pet food, spay / neuter assistance) Santa Maria Valley Humane Society: Santa Maria (spay / neuter assistance, microchips, pet food bank) SEAACA: Downey (veterinary medical care assistance, spay / neuter, vaccination assistance) Sequoia Humane Society: Eureka (spay / neuter assistance) SHARE Marin Humane Society: veterinary care assistance programs for senior, disabled or ill pet owners Spay Neuter Animal Network (SPAN): Ventura (spay / neuter assistance) SPCA for Monterey County: Monterey (pet food, spay / neuter and vaccination assistance) Tony La Russa's Animal Rescue Foundation: Walnut Creek (pet food, spay / neuter assistance, emergency veterinary assistance) VET SOS: San Francisco (free veterinary care and supplies for pets of the homeless) Voice for the Animals Foundation: Santa Monica (veterinary care assistance)

Name the «Virginia Museum of Contemporary Art» as the beneficiary and owner, as partial beneficiary or contingent beneficiary in a life insurance policy that is no longer needed.

A type of Permanent Life insurance that gives the policy owner flexibility with regard to the face amount and premium amounts, which can be modified to respond to changing needs and circumstances.

Beyond the scope of this article Term Life Insurance Best Candidates, often small business owners need a short term life insurance policy to assist in filling some financial nLife Insurance Best Candidates, often small business owners need a short term life insurance policy to assist in filling some financInsurance Best Candidates, often small business owners need a short term life insurance policy to assist in filling some financial nlife insurance policy to assist in filling some financinsurance policy to assist in filling some financial need.

The majority of people are probably not going to need this much life insurance, but if you are a very high - income individual, have a lot of debt, or are a business owner who has a buy / sell agreement in place with a partner, this amount of insurance may be necessary.

If you're wealthy and older, a business owner, need to protect a disabled child or have a complex financial circumstances, there are occasions when Whole Life Insurance is appropriate.

An additional advantage of the lump - sum benefit is that it eliminates the need to continue life insurance on the disabled business owner.

Funding vehicles such as life insurance and disability policies used to provide the liquidity needed if death or disability occurs or if an owner retires.

This means that the life insurance policy purchased to fund the death portion of the buy - sell agreement can not be transferred to the disabled owner or dropped until the end of the installment period, because the death benefit will be needed to complete the transaction in the event of death during the buyout period.

A life insurance policy under MWP Act is a must for self - employed individuals, business owners, those who need to take substantial amounts of credit, and those who have volatilesources of income.

Expanding to 5 companies to satisfy the growing needs for more than 90 years, Auto Owners is comprised of Auto Owners Insurance, Auto Owner Life Insurance, Owners Insurance Company, Home Owners Insurance Company, Property Owners Insurance Company and Southern Owners Insurance Company.

Every business needs to be insured to protect the company from the unpredictable nature of life, and there are some types of insurance that are indispensable to virtually any business owner, including startups.

As a former Series 65 Investment Advisor Representative, Chris also has the unique ability to «put on his financial planning hat» and discuss complex insurance issues such how much life insurance you need, the benefits of term vs. whole life insurance, and has helped hundreds of affluent families as well as business owners with their special needs.

In addition, the company also offers estate planning and corporate owned life insurance for any individual targeting personal and business needs of professionals and business owners.

A life settlement is the sale of a life insurance policy by a policy owner who no longer wants or needs his or her policy.

Quick Tips to Consider Before You Sell Your Life Insurance Policy Fraud Commissions Consider Your Options A life settlement is the sale of a life insurance policy by a policy owner who no longer wants or needs his or her polLife Insurance Policy Fraud Commissions Consider Your Options A life settlement is the sale of a life insurance policy by a policy owner who no longer wants or needs his or heInsurance Policy Fraud Commissions Consider Your Options A life settlement is the sale of a life insurance policy by a policy owner who no longer wants or needs his or her pollife settlement is the sale of a life insurance policy by a policy owner who no longer wants or needs his or her pollife insurance policy by a policy owner who no longer wants or needs his or heinsurance policy by a policy owner who no longer wants or needs his or her policy.

This is why I try to help gun owners get the best life insurance rates along with the best plan design for their needs.

Term to 70 life insurance provides coverage up to age 70 to help meet the needs of families and business owners who have a temporary need for life insurance protection.

Life insurance is often used for business owners needing funds to purchase a company or begin a business.

In any event, key man life insurance on the business owner can provide much needed stability if there is a sudden and unforeseen death.

State Farm can help you with business owners policy, commercial auto, workers compensation, health, life insurance and retirement plan needs.

With the proper use of life insurance, a business owner can provide the liquidity needed to pay any estate taxes due at his or her death.

NLG has a wide selection of life insurance options to fit virtually any need which arises for consumers and business owners alike.

If you purchase a life insurance on your former husband, you just need to make sure that you will be named the owner and the beneficiary of the insurance policy.

The policy owner may no longer need or want his or her policy, he or she may wish to purchase a different kind of life insurance policy, or premium payments may no longer be affordable.

The way Springfield, MA term life insurance works, and the reason it's able to accommodate the insurance coverage needs of so many different people, is that the policy owner chooses the length of time or term in which they will be covered by the insurance policy.

There are two main types of life insurance that business owners need to be aware of: Term and Permanent Life Insurance, which includes Whole and Universal Llife insurance that business owners need to be aware of: Term and Permanent Life Insurance, which includes Whole and Univerinsurance that business owners need to be aware of: Term and Permanent Life Insurance, which includes Whole and Universal LLife Insurance, which includes Whole and UniverInsurance, which includes Whole and Universal LifeLife.

The guiding theory behind the need for decreasing term life insurance is that the urgency for adequate life insurance coverage decreases and / or becomes unnecessary as certain levels of policy owner risk becomes more and more unlikely.

Term life insurance is affordable, perfectly matched to the needs of most business owners, and simple to apply for if you use Quotacy.

Business owners who are looking at the long game may also benefit from both when considering needs such as key person (key man) life insurance.

When the insured person and the owner are the same person, it needs to be understood that this may effect the tax treatment of life insurance death claim payouts.