Sentences with phrase «policies featured premiums»

ART policies featured premiums that started out low and increased each year at renewal time.

A Flexible Premium policy features premiums that can increase, decrease, stop, or be temporarily suspended, according to your needs.

A Level Premium policy features premium payments that are designed to be level (or fixed) over the life of the policy.

Not exact matches

Take your time to compare how different death benefit amounts, policy features, and riders may influence your monthly premium rate.

The annual home insurance rates in our study were for a policy which includes minimum premium discounts for limited wind mitigation features.

When shopping for term life insurance, the key policy features which will impact premiums are the term length and death benefit.

A decreasing term life policy (aka mortgage life insurance) features a death benefit that declines over time, even while the premium typically stays the same.

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 payments.

Life insurance classified as return of premium (ROP) features a return of premiums paid to purchase coverage if the insured outlives the term of the policy, or payment of some portion of premiums paid to the beneficiary upon the insured's death.

If you're considering whole life insurance policies from two insurers with the same features and premiums, that one insurer offers dividends is certainly an advantage to note.

Some agents will feature the convenience of no medical exam policies, but the time saved from undergoing a medical exam (which typically takes less than an hour and can be scheduled wherever is most convenient) doesn't make up for the additional cost of higher premiums over several years.

See sample rates for several different policy configurations to compare estimated monthly premiums to different policy features.

One of the unique features of the carriers IUL policies is that it offers daily averaging, which allows premiums to be credited to the indexing account the next business day after received.

Premiums vary based upon the policy features you select: elimination period, benefit period, and monthly benefit amount.

Feature variation makes it almost impossible to calculate an average monthly premium cost for individual policies bought directly online.

This is a great feature as it means you don't have to pay higher premiums over the entire term of the policy if you only need more coverage for a short period of time.

The flexibility of a universal life policy — specifically your ability to change payment dates and premium and coverage levels — is a valuable feature, but it's also dependent on your policy having enough cash surrender value to cover the monthly policy charges.

The best long term care insurance company and policy will be the one that offers the most features and flexibility, while providing an affordable premium.

You already you know you want term life insurance, but there are other policy features you may be considering, like an accelerated death benefit or a return of premium policy.

You can obtain pertinent details on policy features and premium price, as well as compare the plans of various carriers.

You should carefully read and consider the information in the prospectuses regarding the contract's features, risks, charges and expenses (including a 2.25 % premium expense charge), as well as, the investment objectives, risks, policies and other information regarding the underlying portfolios prior to making any purchase or investment decisions.

For example, a waiver of premium rider is an additional feature you can add to your policy to relieve you of your payments if you become disabled and can't work.

(This feature returns part of your premium if you cancel or lapse your policy.)

However, this type of policy may feature less expensive premiums than two individual policies, allowing the policy owner (s) the potential to buy a policy with a larger death benefit than might otherwise be affordable using separate policies.

Some Whole Life policies include a disability waiver / rider feature that will pay your premiums for you if you were to suddenly become disabled.

The North Queensland home insurance website lists policy features and indicative premiums based on your suburb or postcode.

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.

Truth: Life insurance coverage is never wasted as it protects you against risk, but you can get a return of premium rider (if your policy does not automatically have this feature).

Long - term disability premiums are based on age, gender, occupation and features, but you can generally expect to pay between 1 % to 3 % of your annual salary for a policy.

Universal means you can easily tinker with the main features without having to alter the policy in writing (e.g., face value, premiums, bells and whistles, etc.).

With this feature, premiums may be higher than normal, but as long as they're paid, your policy won't lapse during the guarantee period.

Not all policies have this additive feature, and those that do require additional premium to cover the cost.

In times of unemployment or a tight budget, this method can keep your policy active and in good standing as long as you have enough in your cash value feature to cover the premium.

The policy builds cash value and premium and face amount stays the same.The policy has a feature called «excess credits» which help build additional cash value.

A term life insurance policy with the «return of premium» benefit will often be noticeably more expensive compared to term life insurance policies without the feature.

• Policy Conversion: This feature applies to term only and allows you to convert your policy to a Universal policy at anytime during the period of the guaranteed level premium, up to aPolicy Conversion: This feature applies to term only and allows you to convert your policy to a Universal policy at anytime during the period of the guaranteed level premium, up to apolicy to a Universal policy at anytime during the period of the guaranteed level premium, up to apolicy at anytime during the period of the guaranteed level premium, up to age 70.

You get the flexibility to adjust benefits and premiums, plus select from optional features and riders, to tailor the policy to your own personal needs.

«Return of Premium» is a common feature in many term life insurance policies that provides a full or partial refund of the premium paid at the end of the coverage period if nothing was paid out on the policy during that time.

Most life insurance policies offer an optional feature called waiver of premium.

With a Universal Life policy with Secondary Guarantees, the death benefit is guaranteed for life and you have the flexibility of adjusting your premiums, a valuable feature since estate tax rates and exclusion amounts keep changing from year to year.

The nice feature about Universal Life insurance is that it provides flexibility to the policy owner in regards to the timing and amount of premium payments.

Now this is not a unique feature only offered by Colonial Penn, many different insurance companies offer policies with premiums that increase over time, and in some cases these types of policies are great for certain types of clients, BUT... before anyone buys such a policy, they should take a look at what the rates will look like 10, 15 or even 20 years down the road.

With the No - Lapse feature (or «Secondary Guarantee»), the policy promises to stay in effect for the guaranteed period (usually the insured's life) if the premium is paid on time, even if the cash value has run out.

With the «no - lapse» feature, the policies are guaranteed to stay in force for your entire life if the premium is paid regularly and on - time.

One of the cooler features of my policy is that I receive a 25 percent premium refund for being claim - free for three years.

Each of which will have their own unique set of features including what is called a «2 year graded death benefit» for their Legacy Whole Life product (if you die in the first 2 years, the policy returns 110 % of the premiums paid).

With policy benefits being equal, premiums can be carefully evaluated and potential policy feature variations can accurately be identified.

Jane's monthly premium cost for a policy with the same features can be as low as $ 17 per month.

A policy that offers just the right amount of coverage for just the right time frame, term life insurance policies feature an affordable premium that keeps the policy in force for the number of years you've selected.

For example, a waiver of premium rider is an additional feature you can add to your policy to relieve you of your payments if you become disabled and can't work.