Sentences with phrase «really guarantee that policy»

Not exact matches

«When you get into long - term contracts that guarantee something every year, you've really tied the hands of districts to maneuver and adjust,» said Tim Hoefer, executive director of the Empire Center for Public Policy, an Albany - based think tank that is fiscally conservative and has strongly supported the state's tax - cap law.

Some of these policies address important guarantees that customers state are really important to them — no plagiarism, free revisions, meeting deadlines, and following all customer specifications for an ordered product.

Really, we're not here to guarantee anything except pursue a stable - ish price level, and to the weak extent that monetary policy can do so, aid full employment.

But this is not much of a guarantee as it really only amounts to a term policy rider.

Yes, the policies guarantee their two younger kids will have a bit of insurance as adults, even if they do develop diabetes, but will $ 50,000 in coverage really make much of a difference to them?

I'd suggest considering an annuity to guarantee income to cover rock - bottom expenses (under the Bogleheads idea of «once you've won the game, quit playing»), but beyond that it's not really an investment so much as an insurance policy (guaranteeing you X per month for life).

Guaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insuraGuaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insuraguaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insurance types.

There really is no easy answer, we would have to discuss your health issue and find the appropriate plan, such as a no medical exam policy or a guaranteed issue policy.

Guaranteed issue whole life is a mirror image of the simplified issue whole life option with the exception that there are really only 3 - 4 health questions that must be answered to qualify for the policy.

Guaranteed Renewable Policy If your policy is «guaranteed renewable,» it means that even if you get a really serious disease like cancer, the company can not cancel your Guaranteed Renewable Policy If your policy is «guaranteed renewable,» it means that even if you get a really serious disease like cancer, the company can not cancel your insuPolicy If your policy is «guaranteed renewable,» it means that even if you get a really serious disease like cancer, the company can not cancel your insupolicy is «guaranteed renewable,» it means that even if you get a really serious disease like cancer, the company can not cancel your guaranteed renewable,» it means that even if you get a really serious disease like cancer, the company can not cancel your insurance.

Unfortunately, even reading the fine print is no guarantee that you'll actually understand what their policy really covers.

Guaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insuraGuaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insuraguaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insurance types.

If cash value is not necessary, you may really want a guaranteed universal life policy to age 100.

The only way to really guarantee that you're covered is by investing in a comprehensive auto insurance policy that includes coverage for theft.

Moreover, there are guaranteed issue burial insurance policies available for the really unhealthy.

A graded benefit or graded death benefit is a «clause» that you're going to find written in all guaranteed acceptance life insurance policies that is designed to protect the insurance company from insuring someone who is really, really sick!

Let us briefly point out that while a guaranteed issue life insurance policy (if available in your state) is really only going to have two requirements:

And what we learned is that when it comes to organ transplants, (heart, liver, lungs, etc...), there really aren't that many options other than a guaranteed issue life insurance policy.

If cash value is not necessary, you will really be a better candidate for a guaranteed universal life policy to age 120, which still provides lifetime coverage protection, but will accrue little to no cash value.

The reason why we ask these two questions first is because if you're only looking for about $ 25,000 dollars in coverage, and you're over the age of 45, there's a really good chance that you might be eligible for what is called a guaranteed issue life insurance policy that would allow you to qualify for coverage without having to answer any medical questions or take a medical exam!

That means that if you purchase a guaranteed issue policy, you have a really good shot at outliving the graded death benefit period.

In addition to the guaranteed rate of growth, the component that really hastens the growth of the cash value account investment is dividend payments from the life insurance company to the policy owner.

Although there are advantages to this method - your child is guaranteed insurability for life under the policy as long as the premiums are paid on time and the value of the policy is not required to be reported to the financial aid office, thereby possibly increasing the amount of money the college gives your child - these advantages don't really pay off in the long run.

If they can be met with a new term insurance policy and you don't really need a lifetime guarantee, I might suggest converting some small portion of that policy to permanent insurance as a final expense life insurance policy and getting a new term policy to cover the majority of your insurance need.

Some life insurance companies will call these policies final expense life insurance, they are really just permanent guaranteed issue whole life insurance policies.

There is really no better way to protect your or your child's future «insurability» than to add the guaranteed insurability rider to your policy.

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But this is not much of a guarantee as it really only amounts to a term policy rider.

If you really do not qualify for a term or whole life insurance policy, you still have one remaining option: a guaranteed issue life insurance policy.

Now we ask these two questions first because if you're only looking for about $ 25,000 dollars in life insurance coverage, and you're over the age of 45, there's a really good chance that you might be eligible for what is called a guaranteed issue life insurance policy which would immediately simplify matters since we wouldn't need to ask any additional questions regarding your health!

Guaranteed issue life insurance policies aren't going to ask you about your health so in theory, you can be really sick and still purchase a guaranteed issue life insuranGuaranteed issue life insurance policies aren't going to ask you about your health so in theory, you can be really sick and still purchase a guaranteed issue life insuranguaranteed issue life insurance policy.

Whether or not a guaranteed issue life insurance policy is for you really depends on a few things such as:

If you've suffered from a stroke and / or heart attack in the past, or have suffered from some other cardiovascular related disease, there's still a really good chance that you will be eligible for a traditional term life or whole life insurance policy, or simplified issue life insurance, or finally, guaranteed issue life insurance.

We will help you find a really great guaranteed issue life insurance policy.

Well, it's certainly natural to feel this way at least at first, but it's important to remember that because guaranteed issue life insurance policies aren't going to require you to take a medical exam or answer any health - related questions, graded death benefit clauses are really the only thing protecting an insurance company from insuring someone simply hours away from dying!

There really are only three things that are going to matter when it comes time to purchasing a guaranteed issue life insurance policy:

In fact, guaranteed issue life insurance policies are really only going to care about 3 things when it comes to getting approved which are:

Your situation, don't fret, there are «alternative» life insurance products out there that won't require one to take a medical exam or answer any health - related questions which means that there is still a really good chance that you will be able to qualify for these types of life insurance policies (see guaranteed issue life insurance policies).

The face value is lower than other policies — guaranteed issue life insurance policies are really only designed to cover final expenses.

Now it is possible to buy several different guaranteed acceptance life insurance policies from different life insurance companies, but then you're really going to learn more about the second disadvantage of guaranteed acceptance life insurance policies which is their COST!

Which means that if you're thinking about buying several guaranteed acceptance policies so that you can obtain more than just $ 25,000 that's fine, but just know that it could start to get really pricey, really quickly!

Because the policy details states that «Surrender: After 3 years of full premium payment» and «Guaranteed Surrender Value: 30 % after 3 years, 50 % after 5 years, Maximum 80 % of total premium paid» Its really confusing to understand..

Now you could be really sick, and you can still buy a guaranteed acceptance life insurance policy, it's just not going to pay out the death benefit if you die from «natural cause» unless you out live the graded death benefit wait period.

At that point the dirtball was caught and had to admit that it was really only guaranteed for the base policy of $ 449,000 and the other $ 551,000 depended on dividends which are not guaranteed.

So we replaced the policy with a GUL, no lapse guarantee UL, a guaranteed level premium to age 100, with a guaranteed death benefit to age 121 and by rolling the cash value (which really had no value) into the new policy we were able to drive the annual premium down to $ 33,000 a year.

I explained that at this juncture there really was no option other than guaranteed issue life insurance, a whole life policy that is «graded».

This policy, really nothing more than a final expense life insurance policy, at least had a guaranteed level premium and death benefit to age 100.

We just recently sold that property so I really didn't need to carry that $ 500,000 any longer, but it was a policy that had a tremendous conversion option to the best priced no lapse guarantee UL in the business.