Sentences with phrase «of term life policies sold»

That's why around 97 % of term life policies sold are Level term life insurance.

Not exact matches

Acquiring an appropriate amount of life insurance coverage, properly structuring ownership and beneficiary designations, and aligning the type of life insurance policy with the terms of the buy - sell agreement are critical to implementing a successful funding strategy.

The logic goes that the main selling point of whole life insurance — that you get an insurance policy along with a cash - value component that acts as forced savings — is actually a poor decision, and you'd be better off buying a cheaper term life insurance policy and investing the money you save elsewhere with a better return and lower fees.

And while term insurance is sold for specific periods of time, typically anywhere from 5 to 30 years, a cash value insurance policy is usually considered to be a permanent life insurance policy, as these products are designed to remain in force for your entire life.

If a policy with no cash surrender value is sold (for example a term life insurance contract), the policy premiums would have largely covered just the cost of insurance, so that the proceeds received from the sale of the policy would all be capital gains.

The chances are that they can «sell» the $ 50,000 term life insurance policy (if it can be converted into a whole life policy) and have enough funds to pay for one of the best natural medicine cancer treatments.

The July issue of Money Magazine details the financial incentive an insurance agent has to sell you a whole life insurance policy versus a term life policy.

While this can be done with term life insurance policies, this feature is, along with the premium flexibility, one of the main selling points of a universal policy.

Most of the term life insurance policies that Quotacy sells are convertible (except Haven Lilife insurance policies that Quotacy sells are convertible (except Haven LifeLife).

This risk is particularly pertinent for the one - quarter of Canadian retirees who do not own a home that could otherwise be considered a partial insurance policy on living too long and sold to fund long - term care costs.

Common reasons to sell your policy • Policy no longer needed • Term Life Insurance policy length of coverage is about to expire • Struggling to keep insurance premiums • Life - threatening illness • Changes in estate planningpolicy • Policy no longer needed • Term Life Insurance policy length of coverage is about to expire • Struggling to keep insurance premiums • Life - threatening illness • Changes in estate planningPolicy no longer needed • Term Life Insurance policy length of coverage is about to expire • Struggling to keep insurance premiums • Life - threatening illness • Changes in estate planningpolicy length of coverage is about to expire • Struggling to keep insurance premiums • Life - threatening illness • Changes in estate planning needs

One type of policy, offers only temporary coverage is usually sold as Term Life Insurance.

Alternatively, if it is determined that the policy has real economic value to keep, the advisor and client should consider whether it makes more sense to simply keep the policy to benefit directly from the long - term value of the death benefit, rather than sell as a life settlement (since by definition, if it's valuable to a buyer to purchase, it's valuable to the seller to keep it!).

Rate increases in 2009 were announced by the majority of firms that sell term life insurance policies.

One type of policy, offers only temporary coverage is usually sold as Term Life Insurance.

Corporations can also benefit from taking out term life policies on key team members during M&A shifts, as part of Buy - Sell agreements, or during the span of a special project.

Commissions for selling term - life policies amount to roughly the same percentage of first - year premiums.

Term life insurance offers seniors over the age of 70 greater flexibility based on the benefit coverage and in certain circumstances the ability to sell the policy if it is no longer needed.

TIAA - CREF sells two types of term life insurance, which provides a death benefit for as long as the policy is in place:

Banks are happy to sell you mortgage insurance but what they don't tell you is that a term life insurance policy will achieve the same thing, the death benefit does not decrease, and is a heck of a lot cheaper.

As you can see, there is a quite a bit of variation when insurance companies have age cut - off points where certain types of term life insurance policies will no longer be sold after you reach a designated age.

Term insurance is a life insurance policy that covers you for life but is sold in periods of time like the samples shown in the quotes above.

Unfortunately, about 61 percent of life insurance policies sold in the United States in 2010 are whole (or cash value) life insurance policies as opposed to term life insurance policies, according to the 2011 American Council of Life Insurer's Fact Blife insurance policies sold in the United States in 2010 are whole (or cash value) life insurance policies as opposed to term life insurance policies, according to the 2011 American Council of Life Insurer's Fact Blife insurance policies as opposed to term life insurance policies, according to the 2011 American Council of Life Insurer's Fact Blife insurance policies, according to the 2011 American Council of Life Insurer's Fact BLife Insurer's Fact Book.

June was able to sell her life insurance policy and use the cash payment of $ 65,500 to continue paying premiums on the long term care policy.

Replacement of a life insurance policy means an intermediary, agent or an insurer selling a new policy within six months of surrender of the earlier policy, entailing modification in the terms resulting in reduction of the benefit amount of the existing policy.

As a «Buy Term Invest The Difference» type of company, Primerica only sells term life insurance and actively campaigns against other types of permanent policies like universal life and whole lTerm Invest The Difference» type of company, Primerica only sells term life insurance and actively campaigns against other types of permanent policies like universal life and whole lterm life insurance and actively campaigns against other types of permanent policies like universal life and whole life.

If your business partner dies, a life insurance policy can guarantee that cash will be available to fulfill the terms of your buy - sell agreement.

The short answer is yes, by buying a return of premium term policy, buying a permanent life insurance policy or selling your policy.

This can either be sold as a return of premium policy or as a rider on a traditional term life insurance policy.

The logic goes that the main selling point of whole life insurance — that you get an insurance policy along with a cash - value component that acts as forced savings — is actually a poor decision, and you'd be better off buying a cheaper term life insurance policy and investing the money you save elsewhere with a better return and lower fees.

The statistics show over 20 percent of the Term life insurance policies sold are for over one million dollars.

Term life insurance policies are generally not sold to seniors at or over the age of 90 because the risk to the insurance company having to pay on the policy is simply too great.

Make sure that you study tips for selling final expense to begin with and then master it, moving on to other types of policies such as term life or Medicare supplement policies.

Of course, if the answer was «you should always choose term life», insurance companies probably wouldn't bother selling whole life policies.

The statistics show that approximately 68 % of the Term life insurance policies sold in the United States never pay out a death claim.

If you have developed serious health conditions within the term of the original policy, it may be difficult to find a company that will sell you life insurance.

Sells term life insurance policies via «networking» rather than through full - time agents who make a career of selling life insurance.

You guys keep talking about whole life and universal life and we sell around 90 % of our clients a term policy because it's in their best interest.

Roughly 90 % of life insurance policies sold are term life insurance policies, says Chris Huntley, owner of Huntley Wealth Insurance in San Diego, Calif..

Secondly, in my years of insurance experience, I have sold many term life insurance policies, but I have seen very few policyholders who actually «invest the difference».

They were one of the pioneers in the industry in getting term life insurance policy out to the masses when whole life was the product companies wanted their agents to sell so they could make more money.

It has been sold by life insurance companies for many years and some change in the structure of the policy is very evident when comparing the 20 year term insurance policy of yesteryear to that sold at the present time.

And while term insurance is sold for specific periods of time, typically anywhere from 5 to 30 years, a cash value insurance policy is usually considered to be a permanent life insurance policy, as these products are designed to remain in force for your entire life.

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Banner sells two kinds of policies, term life insurance and universal life insurance.

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Term life insurance policies are typically sold for certain lengths of time — or terms — of 5 years, 10 years, 15 years, 20 years, or 30 years.

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