Sentences with phrase «of life insurance risk»

These tables... also called your Body Mass Index (BMI)... will determine the range of life insurance risk classes into which you might be placed for purposes of pricing your policy.

There are two main categories of life insurance risk class: non-smoker and smoker.

Not exact matches

If you need life insurance, the longer you delay, the more you'll pay — essentially, because your risk of dying increases with age.

Of those receiving subsidies, 6.4 million people were at risk of losing that aid because they live in states that did not set up their own health insurance exchangeOf those receiving subsidies, 6.4 million people were at risk of losing that aid because they live in states that did not set up their own health insurance exchangeof losing that aid because they live in states that did not set up their own health insurance exchanges.

They if anything, the insurance policy for the secondary home might be cheaper with a family member living there instead of sitting empty (which is considered more high risk).

Before purchasing a variable universal life insurance policy, you should carefully consider the investment objectives, risks, charges, and expenses of the policy and its underlying investment choices.

We live with considerable uncertainty about the sustainability of the pattern of relatively low risk premia and reduction in the cost of insurance against future macroeconomic and financial volatility.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

Another example would be a young widow with small children receiving a lump - sum settlement from her husband's life insurance policy and can not risk losing the principal; although growth would be nice, the need for cash in hand for living expenses is of primary importance.

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.»

There are a lot of costs that go into insuring someone including administrative costs, the medical exam and testing costs, and potentially having to pay out a large death benefit, so life insurance companies weigh all the risks for those who apply for coverage.

- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatrisk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatRisk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations

For certain cash value life insurance products there is investment risk, including the possible loss of value.

- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatrisk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculatRisk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations

In the life insurance world, the models can be faster, better and cheaper than traditional underwriting methods, but they «do not provide the type of transparency important to producers and clients when determining the risk class.»

It is not the face of a rich white woman with health insurance who chose to risk her baby's life for an «experience.»

Also, with the cost of malpractice insurance these days and a sue - happy population in which we live in, it's a risk to them if they do not do what is excepted of them by the gov» t.

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.

In the few cases where there are many skeletons, one can construct mortality tables like the ones life insurance companies use to calculate expected life span and risk of death at any given age.

Life insurance companies routinely request HIV tests from anyone who wants an unusually high level of cover, for example above # 250 000, and from people they consider to be at high risk.

Laboratories in Britain that conduct HIV tests for life insurance companies are running the risk of making errors because of the pressure to report results quickly.

100 % Internalization of environmental costs for the full life - cycle of products; this includes full insurance costs for greatest expectable accidents in case of high - risk technologies.

In addition to the above, I am intrigued by looking at a combination of guaranteed issue whole - life insurance products, social security, and defined contribution plans to meet more of the financial needs of teachers while potentially taking some of the financial risk off of the state.

But the good news is that you can indemnify yourself against most of the risks of living in a city this size with a simple Newark, NJ renters insurance policy.

The risks that renters insurance protects you from can vary based on where you live and what kind of housing you live in.

«[FHA] requires most borrowers to keep paying mortgage insurance premiums for the life of the loan — long after any real risk of financial loss to FHA has disappeared.

No matter what is your level of risk - smoker, pilot, diabetic, key man - we can help you find the best life insurance policy for your particular situation.

In a term life insurance policy, you pay an annual premium that covers the risk of death during that year.

The expertise of a CLU includes risk management, wealth transfer, income replacement and estate planning, all of which are essential to life insurance.

Well, having renters insurance in Newark is obviously a good idea, to protect you and your family from the risks of life.

When it comes to unexpected occurrences, term life insurance is one of the best risk mitigation tools that you can have.

With its high expenses and volatility of investments, George seriously risked losing his entire nest egg with the variable universal life — a flawed life insurance concept, especially in the situation described above.

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.

The most direct offset available to the systematic mortality trend risk is through holding exposure to increasing mortality — for example, certain books of life insurance policies.

Underwriting requirements: Additional health information required by the insurance company in order to accurately assess the health of the life insured so that it can properly determine the risk of insuring him / her.

However, besides the risk of the policy lapsing, there are few downsides to borrowing against your universal or whole life insurance policy.

The average cost of Fremont, California Renters Insurance is about fifteen dollars a month, so it's one of the least expensive and most effective ways to protect your family from the most common risks that you face living in a luxury apartment community like Archstone Fremont Center.

Just keep in mind that guaranteed acceptance insurance is significantly more expensive than other types of life insurances, since the insurer collects no health information and therefore assumes you're a high insurance risk.

And that's what this life insurance company bought a lot of, picking up a princely few extra tenths of a percent in interest over the AAA bonds for a lot more risk.

Life insurance is a key component of how you manage risk.

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

In general there have been few reinsurance agreements for longevity risk for immediate annuity portfolios, but then, that would be a really small component of the life insurance industry at present.

This is because term insurance, being pure risk protection, provides life cover based on the level of risk of mortality associated with the policyholder and doesn't provide money back or returns.

When people have renters insurance, they're often more aware of the risks involved in life.

In addition, the cost of living for every adult in our country has skyrocketed over the recent decades; to have a job, you have to have a vehicle to get to and from work; you have to buy gas for that vehicle and keep it in good working order; you have taxes on that vehicle every year, and you have to keep the registration up to date on that vehicle; you have to have insurance on that vehicle, or you risk a fine.

The primary function that these annuities served — and the reason why an insurance company was the one issuing them — was to protect against longevity risk, or the possibility of running out of money late in life.

Therefore, a term insurance plan is a pure risk protection measure and the simplest form of life insurance available.

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.