Sentences with phrase «life subaccounts»

Because variable life subaccounts fluctuate with changes in market conditions, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

The Morningstar Rating ™ for funds, or «star rating», is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange - traded funds, closed - end funds, and separate accounts) with at least a three - year history.

The Morningstar RatingTM for funds, or «star rating», is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange - traded funds, closed - end funds, and separate accounts) with at least a three - year history.

Because variable life subaccounts fluctuate with changes in market conditions, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

The Morningstar Rating ™ for funds, or «star rating,» is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange traded funds, closed - end funds, and separate accounts) with at least a three - year history.

Morningstar RatingTM The Morningstar RatingTM for funds, or «star rating», is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange - traded funds, closed - end funds, and separate accounts) with at least a three - year history.

Not exact matches

Traditional VAs offer mutual fund subaccount allocations, living benefits and optional income riders with contract fees typically deducted from the fund performance.

Buffered variable annuities stick with index allocations, few subaccounts, no living benefits and no lifetime income riders.

Visit our variable annuity performance center to review the performance of subaccounts offered by Annuity Investors Life Insurance Company's variable annuity products.

The premiums you pay are fixed throughout the life of the contract, while the performance of your chosen subaccounts determines the growth of your account value, and can also determine the value of your death benefit.

If you own a variable life policy, you may allocate your account value among a variety of investment subaccounts.

In most indexed universal life insurance policies, the new cash value of this subaccount then becomes the baseline for the next year when calculating the amount that will be credited to your account.

An attractive feature of Indexed Universal Life policies is a floor rate, which represents the minimum an index - linked subaccount can earn (or the maximum it can lose) in any one period.

The point is to input the exact same amount of annual life insurance death benefit and PREMIUMS, for both the term and whole life products, in order to do a true: Buy term life insurance and invest the difference into an alternate investment vehicle (called a mutual fund in this software) vs. buying whole life and «investing» in the life insurance company's subaccounts.

Some life insurance companies are letting policyholders sign up for better deals where they can get access to most any mutual fund (subaccount).

You can also keep your obsolete variable annuity or variable life insurance product, and then use asset allocation modeling techniques to optimize its performance, using only the existing subaccount choices that you're stuck with.

Some share classes are only for variable annuity subaccounts, variable universal life insurance subaccounts, and institutional accounts.

The only loser is the life insurance company / agent / and subaccount managers with the obsolete inferior VA that you escaped from.

You can replace any of them in any asset class with mutual funds of your choice, ETFs, index funds, stocks, bonds, individual securities, life insurance company subaccounts, 401 (k) options, or anything else you want to.

So in addition to the inefficient packaging, you'll also more than likely get much less total return when investing in life insurance company subaccounts, compared to mutual fund investing.

• Losing money and / or not making money in up markets, due to poor performance of the poorly - selected investment choices (called their «line - up» of variable subaccounts, which are just the choices of regular mutual funds wrapped up in a tax wrapper selected as the most profitable to sell by the good «ol boys at the life insurance company).

Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies.

• How investment choices / options are made for 401 (k), 529, plans and variable life insurance company product subaccounts.

Overall, variable universal life insurance can provide policy holders with a number of different subaccount options — which can also include fixed option choices that have a minimum rate of interest.

Customers wanting to make subaccount changes related to this fund closure should contact LBL's Variable Life Customer Service Center at 844-768-6780 prior to the liquidation date.

What sets the PPLI apart is the assets held in the subaccount: An everyday, retail customer will choose from a limited menu of subaccount investments offered by the life insurance company.

Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies.

However, the cash value in a variable universal life plan will be tied to the performance of underlying market «subaccounts.»

Rather than growing at a set rate of interest, though, with variable universal life, the funds in the cash component are actually managed professionally (unlike variable life policies that are managed by the policyholder) in underlying «subaccounts» and can be in entities such as stocks, bonds, and mutual funds.

Instead, fixed universal life policies generally earn an interest rate in the cash value, while variable universal life policy returns depend on the performance of the funds offered within each policy's subaccounts, which are analogous to mutual funds, except that the insurance company owns the shares rather than the policy owner.

Overall, variable universal life insurance can provide policy holders with a number of different subaccount options — which can also include fixed option choices that have a minimum rate of interest.

Under a variable universal life contract, policyholders have numerous investment subaccounts available to them like they do with variable life policies but also have the flexibility in premium payments and frequency offered by universal life policies.

Variable Subaccounts When you invest in a variable life insurance policy, there are subaccounts that you can pick from to invest your cashSubaccounts When you invest in a variable life insurance policy, there are subaccounts that you can pick from to invest your cashsubaccounts that you can pick from to invest your cash values in.

The premiums you pay are fixed throughout the life of the contract, while the performance of your chosen subaccounts determines the growth of your account value, and can also determine the value of your death benefit.

This is because variable life insurance cash value balances are invested in various tax - deferred subaccounts provided by the insurance company.

If you own a variable life policy, you may allocate your account value among a variety of investment subaccounts.

She allocates the proceeds among several different subaccounts within the contract and purchases an enhanced living benefit rider that guarantees a hypothetical growth rate of 6 % per year.

The living benefit riders will pay out a guaranteed stream of income that is based upon a hypothetical guaranteed rate of growth from the subaccounts.