Sentences with phrase «life policies tend»

Variable universal life policies tend be more expensive than most types of life insurance, but no other life insurance policy offers such functionality.

Term life policies tend to offer fewer long - range benefits, for example.

In addition to the cost of the premiums, whole life policies tend to have fees and commissions attached by the underwriter, thanks to their high value and open - ended term.

Traditional term life policies tend to take several weeks to receive an approval; in many cases, GI policies only take a few days to get approved, since they require no medical exam and have light underwriting guidelines.

Unfortunately, life insurance agents that sell traditional universal life policies tend to focus on an assumptive rate of return instead of the guaranteed rate of return that the policy will likely produce.

Furthermore, variable life policies tend to have rather limited investment options to choose from.

These whole life policies tend to pay the highest rates of dividends, and over time the dividend payment can actually grow large enough to pay the entire premium by itself.

In fact, many of clients who have whole life policies tend to switch over to this option once we show them the difference in cost.

It should be noted, whole - life policies tend to be relatively expensive, however, they do accumulate cash value which can be borrowed against should the need arise.

Permanent life policies tend to be more expensive than term policies.

Since they often expire without paying out benefits, term life policies tend to be far cheaper than whole life products.

Term life policies tend to have much lower premiums compared to permanent life insurance.

Term life policies tend to be fairly cheap for healthy people under 50, then get progressively more expensive.

Permanent life policies tend to be more expensive than term policies.

But, understand your own situation and product needs before going any further, as a whole life policy tends to get quite a bit of criticism (and sometimes for the right reasons).

Not exact matches

This «no,» grounded in Hobbes, has tended increasingly to a policy of exclusion of religion, causing a flattening of human life and a sense of spiritual emptiness.

Though seminary faculties like to affirm, in principle, a relationship between Christian theology and the life of the church, academic theology tends to view the ministering congregation as an addendum to the really interesting issues of ethics, philosophical and political theology, or social policy.

When policies do not presume or promote objective values, the resulting moral relativism, instead of leading to a society that is free, fair, just and compassionate, tends instead to produce frustration, despair, selfishness and a disregard for the life and liberty of others.

Rationalism in politics often has dire consequences, because the Rationalist tends to have inordinate faith in policy solutions, slogans, and political machinery to guide citizens toward a good the Rationalist has chosen, while neglecting to understand how people actually live and think, what they actually do and need.

For example, whole life insurance policy premiums tend to be far more costly than the premiums associated with term life insurance policies.

Whole life insurance policies build cash value, but they tend to be more expensive than term life insurance.

While group term life insurance comes at a discount, the policies tend to be less customizable and often are not transferrable, meaning that if you change employers the coverage ceases.

Whole life policies also tend to be more expensive than term life policies because they generate cash value.

The cost to add on a child rider to your policy varies between the different life insurance companies, but it tends to be a nominal fee.

These policies tend to be less expensive as they have a low face value and are designed to cover end - of - life costs.

Most credit unions are set up to service a small, specific group of people, such as people living within a certain area, or people employed by a certain company, so they tend to be community - minded in their policies.

Whole life insurance tends to have a guaranteed rate of growth for the cash value component of the policy and often pays annual dividends.

Every permanent life insurance policy comes with fees but the downside to variable life insurance is that it tends to have the highest.

Whole life insurance policy loans tend to have low interest rates and, since there's no credit check or eligibility requirement, you can get the money almost immediately.

Because this tax favored environment exclusive to participating whole life insurance policies is a key advantage, you understand why we tend to prefer mutual companies in our best whole life insurance companies list.

The drawback to whole life would be that whole life insurance rates tend to be higher than other forms of permanent coverage, particularly when you are dealing with a Whole Life Guaranteed policy, such as the one offered by life would be that whole life insurance rates tend to be higher than other forms of permanent coverage, particularly when you are dealing with a Whole Life Guaranteed policy, such as the one offered by life insurance rates tend to be higher than other forms of permanent coverage, particularly when you are dealing with a Whole Life Guaranteed policy, such as the one offered by Life Guaranteed policy, such as the one offered by MOO.

We at insuranceandestates.com are advocates of the infinite banking concept ® and we tend to lean towards dividend paying whole life insurance as the primary vehicle for a banking policy, since whole life insurance is an asset, uncorrelated from the stock market.

Monumental life insurance reviews indicate that their premiums do tend to increase; however, many policies are very affordable, and you can provide good coverage for your family.

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.

If you tend to think long - term when it comes to managing your finances, you've probably seriously considered (or are considering) purchasing a whole life insurance policy.

You want a permanent life insurance policy, but your financial circumstances tend to fluctuate (you have less money to spend now, but will have more later in life).

Because the death benefits decrease over time, these policies tend to be more affordable than a standard term life insurance policy.

Since the insurance company must make a profit, and since they know they will always pay out on a whole life policy, whole life tends to be very expensive, and has lower «death» benefits than a term policy.

Since there is no medical exam with simplified issue life insurance, the policies tend to be more expensive than term policies.

That can be handy, as a permanent life insurance policy tends to cost more than comparable term life policies.

Thus, older individuals who naturally have shorter life expectancies tend to have more valuable policies of greater interest to investors; similarly, individuals who are younger than 65 but have a serious illness (and therefore reduced life expectancy) may also have policies that qualify for sale.

Shelters usually spare animals from life on the streets or from euthanasia by providing them temporary housing and trying to find them new owners, while ACE recommended charities tend to spare animals from life in industrial agriculture by reducing the size of the factory farming industry (preventing new farmed animals from coming into existence) and reducing the suffering of existing farmed animals by, for example, getting companies to adopt cage - free or other similar policies.

Human beings tend to be risk averse on an everyday basis, we reveal this for example by taking out home or life insurance policies.

Perhaps because they tended to be economically comfortable themselves, they overlooked the fact that many Americans live paycheck to paycheck and thus need to hear that green policies can mean not only cleaner air but also more and better jobs.

But cash values on today's universal life policies (especially those that are less expensive than whole life policies) tend to be much smaller.

Plus, interest benefit that whole life policies offer tends to be far less effective for seniors as compared to those in their 30s or 40s.

While the most affordable type of life insurance coverage will vary from individual to individual, for the most part term life insurance tends to be much less expensive than other popular types of policies.

While ordinary Permanent Life insurance is typically purchased in much larger benefit amounts (i.e. six - figures or more), a Final Expense policy tends to be issued in face amounts of $ 2,000 to $ 50,000 (these amounts vary, depending on the insurer).

Because the insurance company does not know the level of risk they are taking on for each individual they insure with this type of policy, premiums tend to be higher per dollar of coverage than those of traditional types of life insurance.

That being said, there are some downsides to whole life insurance including inflexible premiums, surrender charges if the client decides he or she no longer wants the policy, and the rate of return on a whole life insurance policy tends to be lower than other investments.