Sentences with phrase «of universal life insurance policies in»

You can convert to any of their universal life insurance policies in the first 8 years of a 10 year term.

ABC insurance company is currently the second largest seller of universal life insurance policies in the state of Texas.

As the second largest seller of universal life insurance policies in Texas, what type of insurer are they considered in the state of Texas?

Not exact matches

Universal life insurance is a flexible type of permanent life insurance policy in which the death benefit and premiums can be adjusted as your circumstances change.

As an indexed universal life insurance policy, Lifetime Builder Elite calculates and credits interest based, in part, on the upward movement of major stock market indices.

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

Policies such as variable universal life insurance combine components of the above, blending the investment flexibility of variable life with the ability to use the cash value to pay monthly premiums offered in universal life.

I have been skeptical of variable universal life insurance policies (VULs) since they became popular enough to show up on my radar screen in the late 1980s.

Universal life insurance is similar to whole life insurance in that a portion of your monthly premiums go toward a savings component of the policy, called the «cash value.»

John Hancock is one of the top universal life insurance companies, particularly when it comes to the Accumulation IUL insurance policy, which will will provide a more in depth review of below.

Also, as permanent insurance, the cash value account in universal life grows tax - deferred and can be accessed by the policyholder in the form of loans or withdrawals, subject to any applicable policy provisions.

Variable Universal Life (VUL) is defined as a type of permanent insurance policy, in which the cash value can be invested into different accounts consisting, for example, of stocks, bonds and mutual funds.

With an Indexed Universal Life policy you have the ability to pay more or less each month (there is a minimum to cover fees, and a maximum based on the MEC limit) but the policy has much more premium flexibility than the other types of life insurance policies in the marLife policy you have the ability to pay more or less each month (there is a minimum to cover fees, and a maximum based on the MEC limit) but the policy has much more premium flexibility than the other types of life insurance policies in the marlife insurance policies in the market.

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

Great Southern was also one of the first companies in the United States to offer their clients the option of a universal life insurance policy.

Universal life insurance is a form of permanent coverage, so the policy stays in - force so long as you continue to pay premiums and it builds a cash value.

And as with a universal life insurance policy, the funds in the IUL cash value account grows and can be accessed in the form of partial withdrawals or policy loans.

CFA's Rate of Return (ROR) service estimates «true» investment returns on any cash value life insurance policy — whole life, universal life (fixed or indexed) or variable universal life (cash values in mutual - fund - like accounts).

In the case of variable universal life or indexed universal life policies, the illustration needed will be based on a hypothetical earnings rate such as 6 % and current insurance costs.

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.

Other Universal Life plans can see costs rise throughout the duration of the policy because of possible changes in interest rates or costs of insurance, but a GUL policy will always be the same premium cost for each payment.

Above, we noted the advantage that any cash that DOES accumulate within a guaranteed universal life insurance policy, may be taken in the form of a loan and used for concepts such as infinite banking.

INDEXED UNIVERSAL LIFE Index Universal Life is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash valueUNIVERSAL LIFE Index Universal Life is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash value accoLIFE Index Universal Life is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash value accoLIFE Index Universal Life is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash valueUniversal Life is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash value accoLife is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash value accoLife is similar to a regular whole life policy in that it's comprised of permanent life insurance and and a cash value accolife policy in that it's comprised of permanent life insurance and and a cash value accolife policy in that it's comprised of permanent life insurance and and a cash value accolife insurance and and a cash value accolife insurance and and a cash value account.

Paying insurance companies via a Whole Life or Indexed Universal Policy to build wealth can leave you and your family short changed in the event of death.

In reality, most people who are seriously considering a guaranteed universal life policy for securing a permanent death benefit should probably forget about the other types of universal life insurance and focus on a comparison with traditional whole life insurance.

The systematic payments would be used to fund a tax - free universal or whole life insurance policy that could either be held in or outside of the estate.

Adding complexity to the way universal life insurance works is the fact that this type of coverage offers flexible premiums — as in, the amount you pay into your policy can fluctuate from year to year.

Although individual life insurance products can run the gamut, most life insurance policies are offered in one of four ways — either as term life, whole life, universal life, or variable life.

Universal life insurance structured under Option B is designed so that proceeds of the policy rise in value over time and equal the death benefit plus the cash value.

Indexed universal life insurance (IUL) is a type of permanent life insurance that offers the opportunity to invest your policy cash value in the financial markets tied to any number of market indexes such as the S & P 500.

IncentiveLife Legacy ® III, a flexible premium variable universal life insurance policy, is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey City,life insurance policy, is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey insurance policy, is issued in New York and Puerto Rico by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey City,Life Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey Insurance Company (AXA Equitable), New York, NY 10104, and in all other jurisdictions by affiliate MONY Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey City,Life Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey Insurance Company of America (MONY America), an Arizona Stock Corporation, with the main administrative office in Jersey City, NJ.

Many universal life insurance policy's investment options crashed by 30 - 40 % in 2008 - 2009 right alongside the rest of the markets.

Secondly in terms of investments options, most consumers will be better served by RRSP's and TFSA's than starting to invest inside a universal life insurance policy.

The investment portion of most universal life insurance policies does behave like a mutual fund in another very important aspect.

Universal life insurance, on the other hand, is a type of insurance that is more fluid since it combines term insurance with an investment in the money market as preferred by the policy holder or advised by the insurance company.

Guaranteed universal life insurance is an attractive option for many that bridges that gap of financial insecurity, allowing policy holders to lock in a guaranteed death benefit and premium payments while providing flexibility and stability for households.

Some carriers offer guaranteed universal life insurance options and adjust the amount of the premium higher while making the policy amount lower, so that in addition to offering a guaranteed death benefit, the policy almost immediately begins to generate a larger cash value.

In addition to providing cash to your heirs in the event of your death, this death benefit gives universal life insurance policies their tax - free statuIn addition to providing cash to your heirs in the event of your death, this death benefit gives universal life insurance policies their tax - free statuin the event of your death, this death benefit gives universal life insurance policies their tax - free status.

A flexible - premium universal life insurance policy that provides for potential cash value growth through an interest crediting linked to major market indexes, so you can participate in the upside potential of the equities markets with built - in guaranteed downside protection.

A variable universal life insurance policy takes the best (or worst, depending on how you look at it) of the other two policies: you can adjust the premium and death benefit amount while investing the cash value in the policy's sub-accounts.

New York Life Insurance and Annuity Corporation (NYLIAC), which is an issuer of variable universal life policies, offers in its Variable Universal Life policies a New York Life - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and American FuLife Insurance and Annuity Corporation (NYLIAC), which is an issuer of variable universal life policies, offers in its Variable Universal Life policies a New York Life - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and Americuniversal life policies, offers in its Variable Universal Life policies a New York Life - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and American Fulife policies, offers in its Variable Universal Life policies a New York Life - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and AmericUniversal Life policies a New York Life - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and American FuLife policies a New York Life - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and American FuLife - affiliated family of investment divisions called the Mainstay funds, but NYLIAC's Variable Universal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and AmericUniversal Life policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and American FuLife policies also offer investment divisions managed by some of the more popular brands in the mutual fund industry, including Fidelity, BlackRock, PIMCO, and American Funds.

In that sense, guaranteed universal life insurance is like a term life insurance policy where the term lasts the rest of your life.

You should confer with your qualified legal, tax, and accounting advisors as appropriate Brighthouse Premier Accumulator Universal Life is issued by Brighthouse Life Insurance Company on Policy Forms 5E -37-14 and 5-39-17 and in New York only by Brighthouse Life Insurance Company of NY on Policy Form 5 -39-17-NY.

The investor may re-invest in a product that's more profitable for the broker — selling the proceeds of a stock sale to buy an annuity or a universal life insurance policy, say.

In many ways, indexed universal life insurance works in a similar fashion as most other types of coverage in that the policy holder pays their premium, and the net premium is then applied to the actual life insurance death benefiIn many ways, indexed universal life insurance works in a similar fashion as most other types of coverage in that the policy holder pays their premium, and the net premium is then applied to the actual life insurance death benefiin a similar fashion as most other types of coverage in that the policy holder pays their premium, and the net premium is then applied to the actual life insurance death benefiin that the policy holder pays their premium, and the net premium is then applied to the actual life insurance death benefit.

It is important to note that there may also be additional fees with variable universal life insurance because of the investments that are included in the policy.

In our 4th segment of the radio show, Wayne Kurtz from Karlsburg Insurance will be talking about why Belize is a prime location for an Offshore Variable Universal Life (VUL) policy.

Mr. Klamann has also been retained by and successfully represented individuals who have lost multi-millions of dollars in investment programs following company buy - out transactions and Mr. Schermerhorn has successfully represented an individual sold an unsuitable universal life insurance policy.

Successfully represented life insurance company in certified class action involving state - law claims related to sales of indexed universal life insurance policies

Our primary areas of expertise include term life insurance, universal life and equity indexed universal life, disability income insurance, in - force policy review, insuring tough health issues, business insurance including business succession and key man life and disability insurance, as well as estate planning.