Sentences with phrase «premium than long term»

Though, short term life insurance has lower premium than long term life insurance policies, the coverage / policy term offered is also lower.

Shorter terms have lower premiums than longer terms.

Not exact matches

That's why, ultimately, I can't really blame Jana Partners for pushing for a break - up... Qualcomm's licenses by themselves would be a money gusher, at least for a few years, and while I think most investors are more long - term oriented than people think, I can absolutely understand the temptation — and associated price premium — associated with money in hand now.

Even so, as long as the yield on the preferred is higher than the Treasury's funding costs, the favorable terms will represent an insufficient risk premium but not a loss to the public.

When it comes down to it, in a stock market that is feeling more uncertain and volatile than it has in several years, and when income vehicles are priced at a premium, there's a certain wisdom (or at least well - studied prudence) in considering a slightly lower dividend in exchange for the potential for greater stability and long - term return.

«Longer term, we're going to have to release a more premium range of wines than Yellow Tail,» Casella group managing director John Casella said.

Economists have long been baffled by what they call the equity - premium puzzle: Long term, on average, stocks outperform bonds by a decent margin, yet people tend to put more money into bonds than they do into stolong been baffled by what they call the equity - premium puzzle: Long term, on average, stocks outperform bonds by a decent margin, yet people tend to put more money into bonds than they do into stoLong term, on average, stocks outperform bonds by a decent margin, yet people tend to put more money into bonds than they do into stocks.

Since the insurer is guaranteed to pay a death benefit to your beneficiaries so long as all premiums are paid, permanent life insurance rates are significantly higher than those for term life insurance.

Even then, don't sign up for an insurance policy until you have crunched the numbers and figured out that its benefits are likely to offer you a better after - tax return on the premiums you pay than you would earn for CD rates or long - term investments.

Not only is it possible that you will need the benefits earlier in life than expected, but the younger you are the lower the premiums for long - term care insurance.

When it comes down to it, in a stock market that is feeling more uncertain and volatile than it has in several years, and when income vehicles are priced at a premium, there's a certain wisdom (or at least well - studied prudence) in considering a slightly lower dividend in exchange for the potential for greater stability and long - term return.

This means that if you know that you want coverage for a longer period of time, you'll pay a higher average premium with Colonial Penn than if you purchased a longer term policy elsewhere (such as a 10 - year or 20 - year term) since your risk profile increases with age.

And for women, term life premiums are lower due to a longer life expectancy than men.

First, there is no evidence that any long - term average is consistently better than any other, measured either on the raw performance to the value decile, or by the value premium created.

Genworth Financial Inc., with about a 33 % market share of long - term - care policies sold to individuals, said in May that it is seeking premium increases averaging more than 50 % to stave off more losses in its oldest policies.

In some instances, this approach might make more sense than paying premiums on a long - term care policy.»

«I often come across people who may prefer the long - term security of a permanent life policy, but they need a bigger death benefit than they can afford,» he said, noting that term life coverage, which offers a bigger benefit for smaller premiums, is generally the better bet in that case.

Merryn: One of the chapters in your book, or part of one of the chapters, is about the equity risk premium, and you suggested it's higher than it should be, rationally, simply because of people thinking that stocks are much riskier than they actually are, because they look at short - term returns rather than long - term returns.

Whole life premiums are higher than term life, but this is obviously in exchange for a benefit that potentially continues years longer.

Return of premium term life insurance (ROP) is a type of life insurance policy that offers a guaranteed refund of the life insurance premiums if you live longer than the term period.

For this reason, longer - term return of premium policies tend to be far cheaper than short - term policies.

Also, as the premiums are fixed for the duration of the term, you might want to think about buying a longer term policy rather than a shorter term policy.

Despite higher initial premiums, permanent life insurance can be less expensive than term life insurance in the long run.

Furthermore, most 40 year olds purchase a term life insurance policy longer than 10 years which increases the premiums even more.

Premiums tend to be higher than those for term life, but this option can be more valuable in the long run

If someone does have a permanent need, which is a small percentage of the time, a guaranteed universal life policy which functions as a life long guaranteed premium term policy makes sense as it will have a lower premium than a whole life policies.

Because PPLI is sold only to people who are extremely likely to keep their policies up to date and retain them for the long term, providers are able to offer PPLI policyholders significantly lower premiums than the general public would pay for similar coverage.

That means they have a cash value, are generally more expensive than comparable term policies, and can last you your entire lifetime (s), as long as you keep paying the premiums.

Guaranteed life insurance typically has a much smaller death benefit than term or permanent life insurance, but will be issued few - questions - asked so long as you can pay the premium.

At the end of the term, if the policyholder survives, he gets a regular monthly income till the end of the policy tenure, as specified in the policy (note: in case of MIPs policy tenure is longer than premium payment term).

Since the insurer is guaranteed to pay a death benefit to your beneficiaries so long as all premiums are paid, permanent life insurance rates are significantly higher than those for term life insurance.

When you invest in a short - term policy that is active for only a year, the premiums will be significantly lower than the premiums charged for longer terms.

While the premium for permanent life insurance may initially be higher than that of term life coverage, in most cases, the amount due will not increase over time — regardless of how long the insured keeps the policy.

Another important thing that you must take note of when investing in an insurance plan is that the total premium or cost of an insurance policy that is paid out in a longer period, like 30 years, is greater than a policy that is paid out in 10 or 15 years term.

Also, there are no long medical forms or applications to fill out and your monthly premiums are affordable — less than a term or whole life policy.

Because whole life policies are guaranteed to remain in force as long as the required premiums are paid, the premiums are typically much higher than those of term life insurance where the premium is fixed only for a limited term.

The premiums are guaranteed to stay level for as long as you maintain your payments, but the cost per thousand will be much higher than a traditional term policy in the first decade or more.

One notable difference between short and long term disability insurance is that short term disability insurance premiums are much cheaper than long term premiums, since the payout isn't as large and the coverage does not last as long.

Let's say you love the idea of a level death benefit and a level premium, but you need something longer than the standard term life insurance policy.

Rather than offering coverage for only a certain amount of time as term life does, universal policies remain in force for as long as the premium payments are made.

Although whole life insurance premiums are generally more expensive than those for a term life insurance policy, if you have combined insurance needs that include your mortgage and other estate planning issues, the lifetime protection aspect of a whole life product can lend itself to meeting both your short - and long - term needs.

Permanent life insurance (e.g. whole life insurance, term to 100, and universal life) has premiums that are initially higher than term life insurance, but because the premiums remain level for life are actually less expensive over the long term.

Whole life premiums are higher than term life, but this is obviously in exchange for a benefit that potentially continues years longer.

Of course, the bond interest might not quite be enough to cover the traditional LTC premiums right now (and therefore deplete principal slightly), but it will be more than enough once rates rise, which again seems like a reasonable «bet» for someone who still has a 10 - 20 + year time horizon for long - term care and retirement needs (and over that time horizon, the client could have generated an amount equal to the hybrid life / LTC death benefit just with normal growth!).

A whole life policy will cost more than a term policy because ALL whole life policies pay death benefits (as long as you pay the premiums and do not cancel the policy).

Whole life insurance can be considerably more expensive than its limited cousin, term life insurance, but the death benefit is guaranteed as long as premiums are met.

Whole life premiums are higher than term life premiums and are guaranteed to remain level for as long as you own your policy.

So make judicious use of term insurance calculator because the time which you spend on making wild guesses regarding your premium is much longer than two minutes which you may need for filling all requisite details while using term insurance premium calculator.

The life cover should neither be less or inadequate, nor should it be more than what is required as that will entail paying higher premium which may be unsustainable in the long term.

Permanent life insurance offers protection for your entire life (as long as you pay your premiums) and more flexibility than term life insurance.