Sentences with phrase «policy like universal»

You might be a candidate for a permanent policy like universal life if you're looking for a long - term death benefit — maybe it's to leave your family with a nice, potentially tax - free, inheritance or to make a final charitable donation.

You would convert to a permanent policy like universal life insurance, variable universal life insurance or whole life insurance.

If you are considering a permanent policy like universal life, variable universal life or whole life insurance you should keep in mind that some companies have performance records over the years that are well above average.

A permanent life insurance policy like a universal policy has a cash value accumulation feature which can be taken out as a loan down the road.

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 life.

Cash value life insurance policies like a universal life insurance policy may also be used as vessels to save money for other larger investments, like saving for a down payment on your first home.

Before you change life insurance review the different types of policy options: Term, Whole Life or other permanent life policies like Universal Life insurance are some of the possibilities.

Cash Surrender Value Permanent life insurance policies like universal life insurance, whole life insurance and variable life insurance are more attractive thanks to the presence of built - in cash value.

As time goes by you may want to consider the combination policies like universal life or variable universal life or, on the other hand you may prefer a whole life policy combined with term insurance.

Not exact matches

He suggested that we consider strategies like universal basic income, as well as calling for popular policies like decoupling health insurance from employment.

With variable life coverage you have to choose your own investment strategy in order to maximize your death benefit; it's like a universal policy but you (and not the insurer) are managing the investment portfolio.

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.

But financial products, esp the high - commission fee - loaded stuff the WFG wants to you flog like variable annuities and Transamerica's «Indexed» Universal Life (FFIUL) insurance policy, you usually sell once to a prospect and that's it.

Guaranteed universal life insurance behaves like a term life insurance policy but extends to cover a nearly - permanent term, offering coverage until age 90, 95, 100, 110 or 121.

Like in the past, new policy innovations are currently being explored to find new ways to deal with the social pressure resulting from the increasing obsolescence of manual labour, as can be seen in the experimenting with Universal Basic Income in Finland.

«The Independent Democratic Conference is proud to bridge the gap between the people of the City of New York and the Senate to accomplish important policies that the Mayor has championed like Universal Pre-K, Vision Zero, the millionaire's tax and mayoral control,» Giove said in an emailed statement.

Speaking to a packed room, the senator saluted Edwards's embrace of progressive policies like Medicare - for - All, debt - free college, universal Pre-K, and a $ 15 minimum wage.

In May he announced the launch of national campaign to further his «progressive agenda,» to push policy makers further to the left on issues like minimum wage, paid leave and universal pre-kindergarten.

Under questioning, de Blasio pledged that he would never again form an issue - advocacy organization like the Campaign for One New York, which was the subject of a federal investigation, all while stressing the worthy policy goals that the group helped achieve, chiefly universal pre-K.

If, for example, it releases funds as formula grants, which are distributed to all states on the same basis, it can ensure universal adoption of programs like Title I. Competitive grants like Race to the Top arguably make policy implementation more efficient: the executive branch can regulate, clarify, and be selective about its enforcement of the law.

But while the president's selling of his preschool plan makes it sound like a new entitlement — taxpayer - funded preschool for all — the White House fact sheet on the policy makes it clear that the plan isn't «universal» at all.

No - lapse universal life policies have guaranteed premiums and death benefits — they are like term insurance for life.

Unlike permanent life insurance policies — like whole or universal life — term policies do not accrue cash value.

Because of investment risks, variable universal life (VUL) policies are regulated by the securities and exchange commission and are marketed like other securities.

Also, when it comes to selling your life insurance policy, it's important to note that permanent life insurance policies like whole life, universal life, and all their cousins are eligible.

While how to pay for your universal life insurance policy may sound like a simple decision, it can make a significant difference in your finances.

Guaranteed universal life insurance behaves like a term life insurance policy but extends to cover a nearly - permanent term, offering coverage until age 90, 95, 100, 110 or 121.

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.

A variable universal life (VUL) insurance policy operates much like a «traditional» universal life policy.

Among the various types of permanent life insurance, the type that is most like a term life (temporary) policy is known as «guaranteed universal life insurance» or «GUL».

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).

To fully understand annuities, the first important aspect to note is that, just like other insurance products, regardless whether we're talking about convertible term life insurance, whole life insurance, universal life insurance, etc., annuities are a contract between the policy owner and the insurance company.

Universal life is a policy that gives you a more affordable premium, like term insurance, but also has a cash value aspect to it.

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

Indexed Universal Life policies have no downside and the Ratchet Effect will keep you from starting at the bottom every time the market has a downturn like in 2001 and 2008.

However, their term policies also have the option to be converted to a universal life insurance policy at certain points, typically when you hit a life milestone (like having a child or getting married) or reach a certain age.

A term policy is easier to understand and more affordable than permanent policies like whole, universal, or variable.

Much like a Whole Life insurance policy, Universal Life insurance has cash value that accrues in tax - deferred savings over time.

Universal life insurance has a cash value, just like a whole policy.

Like universal life insurance, you can adjust the premium and death benefit of your policy.

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

There are a variety of permanent life insurance policies such as whole life insurance, universal life insurance, and variable life insurance — and even combination policies like variable universal life insurance.

Additionally, Protective offers a unique universal life policy that acts like a term life policy until the end of the term, then converts to a permanent policy for the same price.

Permanent life insurance policies like Whole Life and Universal Life will typically build cash value.

Variable universal life is much like universal life but instead of the cash value amount being invested in a safe low - interest - bearing account or utilizing an index option, a variable universal life policy is invested in higher risk opportunities like mutual funds or stock funds.

Like whole life, a universal life (or UL) policy will have both death benefit coverage and tax deferred cash value build up.

This statistic leads me to believe that it only takes about three years before the term insurance policyholder realized they made a mistake and converted the policy to permanent insurance like indexed universal life.

Just like guaranteed universal life policies do to age 100 or 120, these riders mandate that even if the policy has no cash value, the death benefit and premium are still guaranteed to stay fixed during the initial term selected.

I know this sounds like a lot to think about when selecting and indexed universal life insurance policy, but all are important.

Furthermore, coverage amounts and premium payments can be adjusted throughout the policy much like a standard universal life policy.