Sentences with phrase «rather than term insurance»

It is whole life insurance rather than term insurance because nobody knows exactly when they are going to pass away.

Not exact matches

The Hobbses took some of Guarino's advice, like using a home - equity loan rather than savings to cover home repairs, and looking into long - term - care insurance.

Certainly, it offers an attractive level for longer - term investors such as pension and insurance funds to lock in a relatively decent yield, and will tempt some portfolio managers to buy bonds rather than equities.

Plan B calls for giving this money directly to the banks and leading insurance companies, on terms that let them continue paying high executive salaries and dividends to existing shareholders rather than wiping them out as normally happens when an enterprise has Negative Equity.

Yes, but you neglect to consider that the money you save by opting to go with term insurance can be invested, and you'll probably be out way ahead with that money for your beneficiaries and heirs rather than if they wait for you to die and collect their benefits through a whole life policy.

Rather than the common policy of discharging such patients to nursing homes when family members insist on continued treatment or the insurance money runs out, Catholic institutions could develop sorely needed long «term rehabilitation facilities that could build on the encouraging work being done with such patients in England and Israel.

Unfortunately, risk assessment is inadequate in terms of sports facilities and many fitness programs rely on the participants taking out insurance and signing legal waivers rather than their being taught safe practices and given a safe environment in which to exercise.

Therefore, if you're shopping for life insurance and being pitched whole life (or currently have a whole life policy), compare the cost to a 20 or 30 year term policy, and discuss your decision with a financial planner, rather than just your insurance agent.

If a website with term insurance quotes only shows a single price — rather than a range of possible premium rates — you're probably not getting the whole story.

Taking out a term life policy becomes more expensive as you get older, so it is important to review term life insurance quotes and options sooner rather than later.

So rather than choosing a yearly renewable term life insurance policy, choose a 10 year term for the same price over the length of time you need the coverage.

As a general rule, if you're looking to buy life insurance you're much better off going with term life insurance, rather than whole life.

In order to compare the «cheapest» options, rather than using whole life insurance for Canada, we've used Term to 100.

This rider is very similar to a long - term disability insurance policy, but it can be conveniently added to your policy rather than you having to purchase it separately.

Rather than carry a life insurance policy in perpetuity, term insurance makes it easier to evaluate your situation and the ups and downs you will experience at various stages of your life.

Consumer reviews offer a better idea of whether or not the policy will help you in layman's terms, rather than insurance jargon, which can keep you from being overwhelmed.

To restore short term lending to business, restore real bills lending at the discount window, increase the insurance fund to allow FDIC to agressively resolve troubled insolvent banks, rather than fixing troubled assets

Whole life insurance is a permanent * cash value policy that provides coverage for your whole life, rather than for a specified term.

We prefer to have our premiums as low as possible and rather than build up money in our insurance accounts, we'd rather use the savings we get from the lower term life premiums to invest elsewhere ourselves.

Yes, but you neglect to consider that the money you save by opting to go with term insurance can be invested, and you'll probably be out way ahead with that money for your beneficiaries and heirs rather than if they wait for you to die and collect their benefits through a whole life policy.

Whether it was a business failure, long - term unemployment, losing your health insurance or catastrophic medical bills, it is very important to provide specific information rather than saying only that you've had too many bills to handle.

Editorially, Kiplinger's magazine has championed over the decades a number of personal finance strategies and investment products that later became popular «conventional wisdom»: the superiority of systematic investing (dollar cost averaging) over market timing; growth stocks that paid little or no dividends but invested in new technologies; mutual funds, especially no - load funds; stock index funds; term life insurance, rather than whole - life; and global investing.

Unless you are especially risk - averse, it is almost always a better decision to get an inexpensive term policy, and invest the money you save yourself, rather than letting the insurance company invest it for you and reap most of the benefits.

New York Life Insurance Company is the largest mutual life insurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by WalInsurance Company is the largest mutual life insurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by Walinsurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by Wall Street.

However, you should give life insurance some consideration now rather than later — specifically term life insurance.

Rather than having to buy an individual long term care insurance policy, as of 2009 you can buy life insurance with a long term care rider instead, opening the market up to more LTC retirement planning options.

If so, why would you use such an expensive form of insurance rather than an appropriate term policy?

A planned gift can be as simple as naming Homeward Pet as a beneficiary in your will or life insurance policy, or transferring long - term appreciated stock to Homeward Pet directly (rather than selling it and donating the after - tax proceeds).

Not only does the report clearly not do what it claims to do, and not only is this another instance of Big Insurance joining forces with Big Environment to whip up alarm (not to mention premiums) about environmental risks (Allianz join Munich Re, RMS and Catlin), but, by ranking countries in terms of energy — rather than CO2 — production, it also supports our suggestion that Environmentalism has less to do with saving the planet than it does with reining in human aspirations.

Diabetics may also find better ratings applying for a permanent type policy, such as whole life insurance or universal life insurance rather than term.

Joint term 30 life insurance policies offer guaranteed premium levels, but for 30 years rather than 10 or 20.

(Please note most people use some sort of permanent policy for estate planning needs, rather than term life insurance).

And just like the example above, when looking at the price tag of a 20 or 30 year term life insurance policy, in some situations, the grandparent will simply elect to take the slightly more expensive cash value whole life insurance option rather than saving a few bucks and choosing a term life insurance policy for their grand kids.

The premiums for a return premium term life plan are usually higher than for a regular level term life insurance policy, since the insurer needs to make money by using your premiums as an interest free loan, rather than as a non-returnable premium.

What some people do if they need to quit smoking is only purchase a 10 or 20 year policy rather than 30 year term life insurance, since their plan is to replace it a year later.

All of the information has made it clear that it makes more financial sense to buy an inexpensive term insurance rather than on a whole life insurance policy.

The huge benefit of return of premium life insurance over straight term life insurance, is if you outlive the term, rather than getting nothing back, all your premiums are returned to you!

In cases like these that have the potential to become more complicated later on down the road, many times the «business» will elect to take out a permanent cash value life insurance policy, such as indexed universal life, on the individuals in question rather than try to make predictions on which term length would be most appropriate.

I would rather counsel a young reader with 30 - 40 years ahead to invest (the audience here) to spend a little bit on term insurance and get into the lifelong habit of investing than buy an expensive permanent policy.

Rather than buying a new term life policy for five or more years, you could opt for annual renewable term life insurance, where you decide each year whether to continue coverage.

A whole life insurance policy will cover you and protect your family for your entire life, rather than a fixed term.

The premiums for a return premium term life plan are usually much higher than for a regular level term life insurance policy, since the insurer needs to make money by using the premiums as an interest free loan, rather than as a non-returnable premium.

Rather than tap into your emergency fund or credit cards, your short term disability income insurance kicks in to provide a much needed resource to help pay for whatever you need it for.

The insurance company adds up the number of term premiums that will be required on the policy in total, divides by the number of years for which a level premium is guaranteed, discounts for the time value of the money using the interest rates available at the time, and charges the resulting level premiums rather than the actual yearly renewable term rate.

Right away, we noticed that the terminology is different — they use the term «vacation protection plan» rather than «travel insurance» — but once you work out the switches in terms, they're pretty easy to read.

And remember that most joint life insurance policies are permanent policies (rather than term).

However, it's oftentimes more economically feasible to get a short - term disability policy through your employer, who may offer it for free or at a low cost, rather than paying the full cost on your own for a relatively limited policy (in terms of coverage amount and length, compared to long - term disability insurance).

There are three main reasons why Suze Orman gives out so much advice on term life insurance rather than whole life insurance.

AgileHealthInsurance.com determined how much a consumer in the Medicaid gap would save by enrolling in term insurance rather than Obamacare.

It is important to keep in mind that when purchasing business protection insurance, most policies should be permanent in nature rather than term.