Sentences with phrase «life insurance risks as»

Suddenly you must be perceived as a greater life insurance risk as the advertising targeted toward us shifts from getting $ 500,000 for -LSB-...]

Not exact matches

Mr. Martin added, «The addition of Survivorship Choice Whole Life to Penn Mutual's strong life insurance portfolio demonstrates our commitment to whole life insurance and the value it provides policyholders, as well as our commitment to offering survivorship life insurance solutions for policyholders with diverse objectives and risk tolerances.&raLife to Penn Mutual's strong life insurance portfolio demonstrates our commitment to whole life insurance and the value it provides policyholders, as well as our commitment to offering survivorship life insurance solutions for policyholders with diverse objectives and risk tolerances.&ralife insurance portfolio demonstrates our commitment to whole life insurance and the value it provides policyholders, as well as our commitment to offering survivorship life insurance solutions for policyholders with diverse objectives and risk tolerances.&ralife insurance and the value it provides policyholders, as well as our commitment to offering survivorship life insurance solutions for policyholders with diverse objectives and risk tolerances.&ralife insurance solutions for policyholders with diverse objectives and risk tolerances.»

Partly it is a form of risk pooling, also known as insurance: not everyone lives to old age, so not everyone spends money in old age.

At present, life insurance is calculated on a «pool» basis: as no one knows who is most at risk of early death, individuals pay for each other's risks.

You could probably get $ 100,000 of life insurance coverage on a typical non-smoking student for as little as $ 10 — $ 15 or so per month, making it a very inexpensive way to hedge your risk.

As with flooding, if you live in an area at risk of this kind of damage, you should buy a separate earthquake insurance policy.

As a result, there is only one major buyer of long - term corporate credit risk left in the U.S. economy: life insurance companies.

For many retirees a stock stake in the range of 40 % to 60 % in the initial stage of retirement makes sense, although what's right for you will depend on such factors as your risk tolerance, the size of your nest egg, how much income you need to draw from it and what other resources (a pension, cash value life insurance, whatever) you have to fall back on.

The claim did not cost the insurance company a significant amount, and your home is not necessarily predisposed to risk of future hail storms, as it may be to floods if you lived in a flood zone.

Once we determine potential risks, your advisor will recommend the most suitable coverage for you and your family, such as long - term care, life insurance, homeowner's insurance and automobile policies.

Life insurance company underwriters - experts who predict risks of injury, illness and death - look at your age, health, occupation, hobbies and habits, as well as your credit report, in setting your premiums.

From my prior experience as an actuary, and the time that I spent on the asset - liability committee of a small bank, I know that the banking industry is far behind the life insurance industry on risk control.

d) Other methods, but they generally pose high risks to one's own assets (such as borrowing from a 401 (k) or life insurance policy, or against a home).

Life insurance companies already have several categories of activities that denote you as a high risk individual, such as skydiving.

No risk compared to other permanent types such as Variable Life Insurance, but there are probably better investment options for the cash you'll contribute

Through a cash value life insurance policy you can get guaranteed returns or take greater risk, such as investing the cash value in an index or actively managed portfolio.

Each season brings its own type of risk, and Amherst, NY Renters Insurance can protect you from these as well as the risks that are ever - present in life.

Term life insurance, on the other hand, is often referred to as «pure» life insurance because, like other insurance products, it has a single objective: protect against a high - impact risk.

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

As the most popular permanent life insurance in the market right now, Indexed Universal Life is a great option for many who want to participate in stock market returns, without actually being invested in the market and subject to risk of llife insurance in the market right now, Indexed Universal Life is a great option for many who want to participate in stock market returns, without actually being invested in the market and subject to risk of lLife is a great option for many who want to participate in stock market returns, without actually being invested in the market and subject to risk of loss.

Whether it's a fire, a theft off premises such as having your laptop stolen out of your vehicle, or an unexpected risk like the derecho that passed through Gaithersburg a few years back and ripped the roofs off many apartment buildings, you'll know you're covered and you'll be able to get your life back to normal quickly because you have Gaithersburg, Maryland Renters Insurance.

Waiting for life insurance not only puts your family at risk, but it's going to cost you money as well.

If you live in a participating community, as most Americans do, the government can not turn you down for a flood insurance policy, even if you live in a high flood - risk area.

Therefore, it's best to take out life insurance as early as possible, when you are less of a risk to the insurer and your premiums will be lower.

It is oftentimes frustrating to find term life insurance as companies tend to flat out deny those with pre-existing conditions or is there is not denial they are placed in a high - risk policy which is oftentimes more costly.

While some pundits and financial entertainers such as Dave Ramsey tend to bash this type of life insurance as too expensive, other experts pinpoint whole life insurance as the most immune from speculative market risks AND the source of massive wealth accumulation for many of America's top banks and corporations.

The program provides potential life insurance approvals in as little as 24 hours with up to $ 2.5 million face amounts for standard or better risk classes.

What we may think of as enjoyable extracurricular activities, life insurance companies can often view as risk factors.

As a rule, flooding, landslide, mudslide, and earthquake damage are not covered by a typical insurance policy, a lack that Californians are smart to address if they live in high - risk areas.

It's important to lessen your exposure to risk, of course — you still need to lock your doors, for example — but buying renters insurance in Poughkeepsie means that a loss won't have nearly as large of an impact on your life.

Unlike with a regular life insurance application, which involves a medical exam to assess your risk, insurers ask you detailed questions and use third - party data such as prior medical records, your driving record, etc to assess your risk level.

HDFC Life has a more balanced product mix HDFC Life has a higher proportion of term insurance and annuities which are considered as safe and low - risk products.

This makes them highly unfriendly to people who can not take an exam or know they will be classified as a high risk by the life insurance underwriters.

I learned it again as a young life actuary, because life insurance companies can die from credit risk, run - on - the - company risk, or both.

In the end, adding a permanent life insurance policy to your investment portfolio can be a good option to help mitigate the risk of early death as well as build some cash value that can be used for a variety of purposes, including retirement income, but it should never be used as your only method of investment planning.

While whole life insurance can be a good risk management tool, and is ideal for some as an investment, in many situations it will not produce the results you might achieve using other investment instruments.

Using whole life insurance or another type of permanent life insurance as an investment vehicle can be a great way to manage the risk of an unexpected death while also building a cash account that can be used to fund a mortgage, pay for a child's education, or even start a business.

While whole life insurance is about protecting the people who rely on you, a recent study found that it can help reduce risk in your overall portfolio as well.

Truth: Life insurance coverage is never wasted as it protects you against risk, but you can get a return of premium rider (if your policy does not automatically have this feature).

Don't miss the fact that in the above examples, your money is working hard and has never stopped moving, i.e. the velocity of money... this is the essence of the conduit whole life insurance strategy because your cash value policy has served as a natural channel through which your money moves continually, growing perpetually to fund both your safe bucket and higher risk opportunities.

Insurance Products: Companies selling no - lapse premium guarantee life insurance policies may have additional solvency risks — a vital consideration if you are considering them as a new or replacemenInsurance Products: Companies selling no - lapse premium guarantee life insurance policies may have additional solvency risks — a vital consideration if you are considering them as a new or replacemeninsurance policies may have additional solvency risks — a vital consideration if you are considering them as a new or replacement policy.

Each life insurance company sees medical issues (and other risk factors, such as extreme sports) differently.

Some life insurance companies provide Personal accident death benefits as riders but do not provide risk cover for disability (Permanent or temporary) arising out of an accident.

While these two types of life insurance can act as a backup plan if you can't get term life insurance, there's a really good chance that you'll find a term life insurance policy that fits your needs and risk factors.

Depending upon the severity of his asthma, tobacco use, and if there are any other issues that the underwriters may consider a risk, the chart below can be used as an estimate of his monthly payments were he to buy a 30 - year, $ 150,000 term life insurance policy.

Being aware that variable coverage comes with a higher level of risk than some other types of permanent life insurance, such as whole life or universal life, can also help to ease any surprises should the market take a sudden downturn.

Just as flood insurance leads people to live in the flood plains of rivers, the perception of the existence of geoengineered climate insurance could lead people to take more climate risk, and work less diligently to reduce CO2 emissions.

Bernard LLP» coverage work includes enforcement, as well as maintaining denials of first part property and third party liability coverage, under CGL, builders risk, life and disability, excess auto and homeowners insurance policies.

Unlike term life insurance, which only covers a policyholder for a certain number of years, universal life insurance continues to cover a person thought their entire life, even in those later years as he becomes a larger and larger investment risk for the company.

It's also valuable for people who work in high - risk occupations, such as roofers, firefighters, military, police officers, etc., who usually can't get disability insurance or even life insurance through certain companies.