Sentences with phrase «of death benefit increases»

All this to say, that as you get older the cost per $ 1000 of death benefit increases, but so should your cash value.

All this to say, that as you get older the cost per $ 1000 of death benefit increases, but so should your cash value.

Not exact matches

The consumer will incur a surrender charge, be subject to the commencement of a new surrender period, lose existing benefits (such as a higher crediting guarantee than is currently available, as well as death, living or other contractual benefits), or be subject to increased fees, investment advisory fees or charges for riders and similar product enhancements;

¹ Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

The consumer will incur a surrender charge, be subject to the commencement of a new surrender period, lose existing benefits (such as death, living or other contractual benefits), or be subject to increased fees, investment advisory fees or charges for riders and similar product enhancements;

While the cash value feature is an attractive option it's important to remember, though, that tapping into the cash value of a life insurance policy reduces its value and death benefit and increases the chance the policy will lapse.

Some permanent policies are eligible to receive dividends, and although they aren't guaranteed, they help to increase the cash value and death benefit of the policy.

At certain points during the term of coverage, such as your birthdays, you can increase the policy's death benefit and premiums will be determined using your initial health rating.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

Also, tapping into the cash value of a life insurance policy reduces its value and death benefit and increases the chance the policy will lapse.

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

Both amniocentesis and homebirth involve exposing a baby to an increased risk of death in exchange for a benefit that accrues to the mother.

Oral Questions - Ensuring wage - earners who are below the income tax threshold will benefit from any future increases in the personal allowance - Lord Greaves; Measures to detect and prevent sudden cardiac death - Lord Storey; Number of people employed by the EU Institutions and information on the number of those who pay either no tax, or reduced tax rates, on their remuneration - Lord Flight

The report draws on government and trade statistics, academic evidence and economic theory to challenge arguments that the health and social benefits of reducing alcohol consumption are likely to come at a cost to the economy, finding: · Any reduction in employment and income resulting from lower spending on alcohol would be offset by spending on other goods · Econometric analysis of US states suggests that a 10 % decrease in alcohol consumption is associated with a 0.4 % increase in per capita income growth · Lower alcohol consumption could also reduce the economic costs of impaired workplace productivity, alcohol - related sickness, unemployment and premature death, which are estimated to cost the UK # 8 - 11 billion a year The analysis comes at a timely moment, with health groups urging the Chancellor to raise alcohol duty in next month's Budget.

If exposures to fine particles do not increase the risk of premature deaths, then most of the regulations in the study are less likely to have economic benefits in excess of their costs.

After 50 years of being a mainstay cholesterol therapy, niacin should no longer be prescribed for most patients due to potential increased risk of death, dangerous side effects and no benefit in reducing heart attacks and strokes, writes Northwestern Medicine ® preventive cardiologist Donald Lloyd - Jones, M.D., in a New England Journal of Medicine editorial.

The researchers found no evidence of significant benefit from fruit juice, and canned and frozen fruit appeared to increase risk of death by 17 % per portion.

CT lung cancer screening is deemed an Essential Health Benefit, covered by many private health insurers, while Medicare beneficiaries have lesser access to these exams and increased risk of lung cancer death due to lack of coverage.

Although unadjusted estimates suggest that the associated increase in risk of continuing (or the benefit of cessation) is modest at around 20 %, the adjusted estimates suggest a more than doubling of the risk of death from continued smoking.

According to the researchers, «the combination of an antibody that inhibits PD - L1 and PD - 1 [programmed death 1] interactions with a targeted antiangiogenic agent might take advantage of complementary mechanisms of action to provide clinical benefit in patients with advanced renal cell carcinoma that exceeds the effects of the respective drugs alone, without increasing associated toxicity.»

But connecting tax increases to smoking reductions and to fewer infant deaths brings in an entirely new type of benefit.»

In fact, salt restriction actually increased the risk of death in those with heart failure.10 Some studies have shown a modest benefit to salt restriction among some people with high blood pressure, but the evidence does not extend to the rest of the population.

We've known that milk intake doesn't appear to help, but maybe that's because any potential benefit of the calcium in milk may be overshadowed by the increased risk of fracture and death associated with the galactose sugar in milk.

Old hands benefiting from increased gag - time include Blind Al (Leslie Uggams) and hapless cabbie Dopinder (Karan Soni), now re-tooling himself as an instrument of death.

At certain points during the term of coverage, such as your birthdays, you can increase the policy's death benefit and premiums will be determined using your initial health rating.

Naturally, a policy buyer would prefer the insured to be elderly, in poor health, with a policy that has low cash value and a high death benefit, because all of these factors might increase the buyer's yield - to - maturity on the policy when you die.

Use of the accelerated death benefit with permanent policies may increase countable assets if the amount advanced exceeds the cash surrender value.

Owners who take advantage of any accelerated death benefit may increase their level of countable resources.

Lump sum plus Monthly Income: Half of the death benefit will be paid out as lump sum for immediate needs, and the remaining half in form of monthly income increasing annually by 10 % at simple rate for a period of 15 years.

Monthly Income: The death benefit will be paid out as a monthly income increasing annually by 10 % at simple rate for a period of 15 years.

Dividends can be used to purchase additional paid - up insurance, further increasing the death benefit and cash value growth of the policy.

The fact that the cost of insurance rises as you age, and that there are some strategies for increasing death benefits and strategically managing the policy throughout the years to manage the various indexes and crediting options, means that it isn't simple.

So, if your financial situation changes over time and you want a greater amount of coverage, you would be able to increase your policy's death benefit without demonstrating your insurability.

Over time, as more of the premium is devoted to the cash account, this account will begin to amass funds more rapidly, as compound interest really kicks in, increasing both your cash value and death benefit.

With the help of dividends purchasing paid - up additions, it is possible for your death benefit to increase substantially over your lifetime.

The business value protection rider allows owners to increase the death benefit as the value of the business increases, which may be suitable for buy - sell agreements and key person insurance.

Optional death benefits are available for an additional fee and offer the potential to increase the amount of money you provide when the time comes.

For purposes of this post, it just needs to be understood that we can bridge the deficiency of not having enough coverage in our banking policy with a term rider, which can be used to add convertible term life insurance (which results in an increase to the death benefit).

Benefits increase 5X in case of accidental death If you die as the result of an accident (as defined in your policy) before age 85, your beneficiary will be eligible to receive five times your coverage amount.

The two types of permanent life insurance with an increasing death benefit are participating whole life insurance and universal life (UL) insurance.

With this policy the value of your accumulated cash account and the death benefit may increase faster, but it carries more risk as well.

With increasing death benefit life insurance, the death benefit will be available to fund the tax obligation, allowing you to transfer the maximum value of your net worth to your beneficiaries.

What may be sufficient to cover the tax liability today may not be enough down the road, which is why a specific type of permanent life insurance with an increasing death benefit is necessary.

The Additional Life Insurance Rider (ALIR) allows the owner of the policy to make increased premium payments in order to purchase additional participating paid up life insurance, increasing the policy's death benefit and cash value growth.

The accidental death benefit rider (called a double indemnity rider) increases the death benefit, if you die as the result of an accident.

Lumpsum plus Monthly Income: Half of the death benefit will be paid out as lumpsum for immediate needs, and the remaining half in form of monthly income increasing annually by 10 % at simple rate for a period of 15 years.

If your account does well (let's hope there are better times ahead), many variable annuity sponsors will periodically increase the death benefit so it equals the actual account value instead of your original cost basis.

A PerspectiveSM variable annuity includes a standard death benefit and the option to choose one of our enhanced benefits that for an additonal fee offers the potential to increase the amount of money you provide when the time comes.

You can include a paid - up additions rider in your policy, which allows you to make purchases of paid - up additional insurance with no proof of insurability, increasing the cash value and death benefit proportionately.

Using PUAs is an effective method of increasing your available cash value while at the same time boosting the policy's death benefit.