Sentences with phrase «of variable life insurance policies»

The life insurance industry have progressed considerably and with the introduction of variable life insurance policies and variable universal life policies it may be worth your time to again take a look at life insurance as a possible vehicle through which to accumulate money for college education...

The cash value of variable life insurance policies can grow at a much faster rate and in certain cases can be used to pay premiums.

The cash value of variable life insurance policies can grow at a much faster rate and in certain cases can be used to pay premiums.

The death benefit of a variable life insurance policy is typically structured in one of two ways:

A. Just like other types of permanent life insurance policies, you can take a loan from the cash value of a variable life insurance policy.

Taxes and Variable Life As in permanent life policies, the cash value of a variable life insurance policy grows on a tax deferred basis.

Given this, the owner of a variable life insurance policy should generally have a higher risk tolerance, as it is possible that the value of the invested funds could fluctuate up and down regularly.

With this in mind, it is possible that the value of a variable life insurance policy's investment component could fall if the underlying investments perform poorly.

These sub-accounts are only available through the policy; you could not invest in them outside of the variable life insurance policy.

While a whole life policy's cash value is typically guaranteed to grow a certain amount, it's smaller than the potential growth of a variable life insurance policy.

An example of an insurance product being sold by some company is a type of variable life insurance policy that allows the insured person to claim the insurance amount coverage at a fixed time in the future in the event that the person does not die in the stipulated time.

This is the general structure of a variable life insurance policy but it varies for different insurance companies.

The death benefit of a variable life insurance policy is typically structured in one of two ways:

Because of the potential risk that may be involved, it is important that an individual carefully assess their risk tolerance, as well as their purpose for the coverage, when considering the purchase of a variable life insurance policy.

Additionally, investment risks within the cash value of a variable life insurance policy fall completely on the policyholder, not the insurance company.

While there is the ability to attain much growth in the cash component of a variable life insurance policy, there can also be more risk due to the market exposure.

A possible disadvantage is that the premiums of a variable life insurance policy generally are fixed and can not be adjusted if your financial situation changes.

The investment portion of a variable life insurance policy leaves you vulnerable to loss.

Not exact matches

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.

Under the broad umbrella of whole life insurance, there are several types available like the «variable» and «universal» insurance policies depending how your policy funds are invested.

Since the growth of your policy's cash value is tax - deferred, variable life insurance might be a good consideration if you've maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.

Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer.

While not for everyone, indexed universal life insurance policies are a viable option for people looking for the security of a fixed universal life policy and the interest - earning potential of a variable policy.

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.

Certain types of life insurance policies, including variable life, cash value life insurance and whole life insurance, combine life insurance with a tax - deferred investment account, and provide tax - free access to the cash value of the policy.

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.

To illustrate, we collected loan interest rates for variable universal life insurance policies from three of the largest insurers:

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If you've ruled out any chance of variable life insurance, there are only two policies left to consider: universal and whole life insurance.

If you are considering permanent life insurance — such as whole life, universal life, or variable life insurance — you probably know that these types of policies provide both death benefits and cash value accumulation.

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.

Variable Universal Life (VUL) is another permanent life insurance type that offers similar features to other universal life policies, such as flexible allocation of premium paymeLife (VUL) is another permanent life insurance type that offers similar features to other universal life policies, such as flexible allocation of premium paymelife insurance type that offers similar features to other universal life policies, such as flexible allocation of premium paymelife policies, such as flexible allocation of premium payments.

The following is just a quick list of the popular pros and cons of the variable universal life insurance policy.

The policy offers two types of life insurance loans: standard (fixed) and variable.

Protective Life offers several types of universal life insurance policies, including indexed universal life and variable universal lLife offers several types of universal life insurance policies, including indexed universal life and variable universal llife insurance policies, including indexed universal life and variable universal llife and variable universal lifelife.

Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer.

When it comes to permanent life insurance, there are three types of insurance policies — whole, universal and variable.

With a variable life insurance policy, you can make a series of withdrawals from the policy's cash value, make a single large withdrawal or simply use the cash value as collateral in a policy loan.

Much like Universal Life, Variable Life insurance is a type of Permanent Life insurance that affords the purchaser more flexibility than a traditional Whole Life insurance policy.

Therefore, with the same cash value rate of return, you would actually perform worse with a variable life insurance policy.

Variable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay pVariable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay pvariable life insurance, but you can use the cash value to pay premiums.

Whereas whole life insurance provides fixed rates of return on the account value, at rates determined by the insurance company, variable life insurance provides the policyholder with investment discretion over the account value portion of the policy.

Since you're able to choose from a variety of investment options, variable life insurance policies have higher upside potential than other cash value policies, such as whole life insurance.

Variable Life Insurance policies combine the benefits of a Permanent Life Insurance Policy with the benefits of a savings account, with which you can invest in stocks, bonds, money market accounts or mutual funds.

Whole life insurance policies don't offer the flexible premiums of variable universal life insurance policies.

Variable life insurance policies have higher upside potential than other permanent life insurance policies as you can choose how the cash value is invested from a variety of options.

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).

For other universal life insurance policies, your internal rate of return will depend on whether the policy is guaranteed universal life, indexed universal life or variable universal life.

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.

Of course, there are many different variables that are involved in selecting the right type of business life insurance policOf course, there are many different variables that are involved in selecting the right type of business life insurance policof business life insurance policy.