Sentences with phrase «sold as a variable»

Most variable life insurance policies are sold as a variable universal life insurance.

Not exact matches

It has been widely anticipated that broker - dealers might largely exit the business of selling commission - based variable and indexed annuities entirely, in favor of operating as level fee fiduciaries.

While the best interest contract exemption (the BIC, or BICE) would allow advisors to continue to sell traditionally commission - based products, such as variable and equity indexed annuities, it also exposes the insurance carrier to a heightened liability standard.

Additionally, you must factor in variables such as the sales cycle for what you are selling, seasonality, and the time to close.

Insurance Agent Fraud: Sometimes insurance agents breach the trust and loyalty of their customers because of the lure of high commissions, causing them to over insure their clients, or sell high commission products they don't need, such as variable annuities.

Years ago, however, the SEC carved out an exception from this rule for the benefit of brokers as well as planners and insurance agents who sell variable annuities.

Many times, the financial advisor who sold the original variable annuity is no longer around to advise a client as to whether it's best to move ahead with surrender, leading to investor confusion over a thorny financial decision, he said.

However, other factors — like the home being sold «as is» — may affect the ultimate price, so it's important to work through the process methodically to make sure you account for every variable.

Voya, which late last year announced plans to launch a buffered variable annuity in 2018 and brand it as Voya Ascend Annuity, now has «no immediate plans» to launch the product as the company prepares to sell its annuity business.

State Farm, in comments by Phil Supple, its director of public relations, said that as of next April, State Farm will sell and / or service mutual funds, variable products and tax - qualified bank deposit products through a self - directed customer call center.

Displacement can also be very small, as found in kei cars sold in Japan, such as the Subaru EN series; engines that started out at 550 cc and are currently at 660 cc, with variable valve timing, DOHC and superchargers resulting in engines that often claim the legal maximum of 64 PS (47 kW; 63 bhp).

Mitsubishi's best - selling RVR compact SUV comes equipped with the company's continuously variable transmission (CVT - 8) for better fuel economy and response as well as improved acceleration feel.

Mitsubishi's best - selling RVR compact SUV comes equipped with the company's continuously variable transmission (CVT - 8) for better fuel economy and response as well as impr

Options: Engine: 3.5 L V6 Ecoboost - Inc: Auto Start - Stop Technology Gvwr: 6 750 Lbs Payload Package Integrated Trailer Brake Controller Electronic Locking W / 3.55 Axle Ratio Transmission: Electronic 10 - Speed Automatic - Inc: Selectable Drive Modes: Normal / Tow - Haul / Snow - Wet / Ecoselect / Sport (Std) Equipment Group 501A Mid - Inc: Reverse Sensing System Universal Garage Door Opener Blind Spot Information System (Blis) Cross-Traffic Alert And Trailer Tow Monitoring (Blis Sensor In Led Taillamp) 110V / 400W Outlet Power Glass Sideview Mirr W / Body - Color Skull Caps Power - Folding Heat Turn Signal Memory And Auto - Dimming Feature (Driver's Side) Remote Start System W / Remote Tailgate Release Led Sideview Mirror Spotlights High - Intensity Led Security Approach Lamps Trailer Tow Package - Inc: Towing Capability Up To 11 100 Lbs Higher - Capacity Radiator Pro Trailer Backup Assist Higher - Power Cooling Fans Upgraded Front Stabilizer Bar Wheels: 20 6 - Spoke Premium Painted Aluminum Front License Plate Bracket - Inc: Standard In States Requiring 2 License Plates Optional To All Others Voice - Activated Touchscreen Navigation System - Inc: Pinch - To - Zoom Capability Siriusxm Traffic And Travel Link Note: Siriusxm Traffic And Travel Link Includes A 5 - Year Prepaid Subscription Siriusxm Traffic And Travel Link Service Is Not Available In Alaska Or Hawaii Siriusxm Audio And Data Services Each Require A Subscription Sold Separately Or As A Package By Sirius Xm Radio Inc If You Decide To Continue Service After Your Trail The Subscription Plan You Choose Will Automatically Renew Thereafter And You Will Be Charged According To Your Chosen Payment Method At Then - Current Rates Fees And Taxes Apply To Cancel You Must Call Siriusxm At 1 - See Siriusxm Customer Agreement For Complete Terms At All Fees And Programming Subject To Change Sirius Xm And All Related Marks And Logos Are The Trademarks Of Sirius Xm Radio Inc Extended Range 36 Gallon Fuel Tank Tires: P275 / 55R20 Bsw A / S - Inc: 245 / 70R17 All - Season Spare Tire Lead Foot Lariat Sport Appearance Package - Inc: Unique Interior Finish Box Side Decals Accent - Color Angular Step Bars 2 - Bar Body - Color Grille W / 4 Minor Bars Black Surround And Black Mesh Body - Color Front & Rear Bumpers Wheels: 18 6 - Spoke Machined - Aluminum Magnetic Painted Pockets Single - Tip Chrome Exhaust Turbocharged Rear Wheel Drive Power Steering Abs 4 - Wheel Disc Brakes Brake Assist Aluminum Wheels Tires - Front All - Season Tires - Rear All - Season Conventional Spare Tire Heated Mirrors Power Mirror (S) Integrated Turn Signal Mirrors Power Folding Mirrors Rear Defrost Intermittent Wipers Variable Speed Intermittent Wipers Privacy Glass Power Door Locks Daytime Running Lights Automatic Headlights Fog Lamps Am / Fm Stereo Cd Player Satellite Radio Mp3 Player Auxiliary Audio Input Bluetooth Connection Power Driver Seat Power Passenger Seat Leather Seats Split Bench Seat Heated Front Seat (S) Driver Adjustable Lumbar Passenger Adjustable Lumbar Seat Memory Cooled Front Seat (S) Pass - Through Rear Seat Rear Bench Seat Adjustable Steering Wheel Trip Computer Power Windows Wifi Hotspot Leather Steering Wheel Keyless Entry Keyless Start Cruise Control Climate Control Multi-Zone A / C Woodgrain Interior Trim Auto - Dimming Rearview Mirror Driver Vanity Mirror Passenger Vanity Mirror Driver Illuminated Vanity Mirror Passenger Illuminated Visor Mirror Floor Mats Mirror Memory Steering Wheel Audio Controls Smart Device Integration Adjustable Pedals Engine Immobilizer Security System Traction Control Stability Control Front Side Air Bag Tire Pressure Monitor Driver Air Bag Passenger Air Bag Passenger Air Bag Sensor Front Head Air Bag Rear Head Air Bag Child Safety Locks Back - Up Camera

The continuously variable transmission (CVT) that most Crosstreks will be sold with feels ever more natural, and if you get a model with paddle shifters (Premium or Limited trims), you can even exercise it as you see fit.

All of the GM, Ford, Chrysler, Honda and Toyota 4 cylinder engines sold in the USA need to be upgraded with variable valve lift and stopstart as Toyota has done in the Auris.

!!!!!!! NO RESERVE!!!!!!!! Vehicle Specification: Exterior: Body - color heated pwr mirrors w / right - side automatic reverse tilt - downFront / rear body - color bumpersHalogen headlights w / lighted ringsVariable intermittent wipers - inc: vehicle - speed sensitive wiping interval, single - wipe control, heated washer jets Chrome outlined kidney grilleHalogen fog lightsHeated driver door lock cylinder Interior: 3 - setting memory for driver seat, seatbelt height, steering wheel, exterior mirrorsAlarm system w / remote keyhead operation, interior motion detectorCheck Control vehicle monitor system w / pictogram displayDual front cup holdersFront bucket seats - inc: 10 - pwr driver seat / headrestFront / rear reading lightsLCD main / trip odometersLeather - wrapped brake grip / shift bootPre - wiring for CD changer / cellular phoneRear window defroster 4 - channel FM diversity antenna systemCar - specific memory - inc: motion detector, daytime running lamps, pathway lightingCourtesy lights w / automatic dimming functionDual illuminated visor vanity mirrorsFront / rear door storage compartmentsFully carpeted trunk w / luggage strapsLeather - wrapped 4 - spoke pwr tilt / telescopic steering wheel w / automatic tilt - upMicrochip dynamic encoded key anti-theft driveaway protectionPwr windows w / key - off retained pwr, 1 - touch open / close, anti-trapping pinch protectionService interval indicator w / miles - to - service readout Mechanical: 18.5 gallon fuel tank4 - link integral rear suspensionAdaptive transmission controlDrop - down tool kit in trunkFront / rear stabilizer barsRear wheel drive 2.5 L (152) DOHC 24 - valve in - line 6 - cyl engine w / variable valve timing4 - wheel ventilated disc brakes w / Dynamic Brake ControlAluminum double - pivot strut - type front suspension w / coil springsEngine - speed - sensitive pwr rack & pinion steeringFull - size spare tire Safety: 3 - point seatbelts w / front automatic height adjusters, front tensioners, front force limitersAutomatic locking device for child seatCrash sensor deployed hazard / interior lights, door unlockingFront door - mounted side - impact airbags Automatic fuel cut - off (triggered by airbag deployment) Child safety rear door locksDriver / front passenger airbag system w / dual - threshold / stage deployment systemSide impact interlocking door anchoring system Vehicle Photos: Vehicle Warranty: This vehicle is being sold as is, where is with no warranty, expressed written or implied.

Optional Features: 992, 44w, 58k, N6, Y, W, Tap, 425, Zz1, Zz2, Discount, Transmission: six Gear Powershift Automatic - Inc: Selectshift W / Thumb Switch On Gear Shifter (Std), Engine: 2.0 l I - 4 Gdi Ti - Vct (Std), Equipment Group 250a, Voice - Activated Touchscreen Navigation System - Inc: Pinch - To - Zoom Capability Siriusxm Traffic And Travel Link W / A 5 - Year Prepaid Subscription Siriusxm Audio And Data Services Each Require A Subscription Sold Separately Or As A Package By Sirius Xm Radio Inc If You Decide To Continue Service After Your Trial The Subscription Plan You Choose Will Automatically Renew Thereafter And You Will Be Charged According To Your Chosen Payment Method AT Then - Current Rates Charges And Taxes Apply To Cancel You Must Call Sir, Front Wheel Drive, Powered steering, ANTILOCKING BRAKES, 4 - Wheel Disc Brakes, Brake Assist, Brake Actuated Limited Slip Differential, Aluminum Wheels, Tires - Front Performance, Tires - Rear Performance, Temporary Spare Tire, Sun / Moonroof, Generic Sun / Moonroof, Power Mirror (S), Integrated Turn Signal Mirrors, Rear Defrost, Variable windshield wipers, Variable Speed Intermittent windshield wipers, Auto - on headlights, Fog Lights, Amfm radio, Compact disc player, Upgraded stereo system, Satellite Radio, Steering Wheel Audio Controls, HD Radio, Pass - Through Rear Seat, Rear Bench Seat, Adjustable Steering Wheel, Keyless entry, Doors with power locks, Climate Control, Multi-Zone AIR CONDITIONING, Cloth Seats, Bucket Seats, Driver Vanity Mirror, Passenger Vanity Mirror, Driver Lighted Vanity Mirror, Passenger Lighted Visor Mirror, Floormats, Bluetooth Connection, Telematics, Aux Audio Input, Smart Device Integration, Antitheft system, Traction Control, Front Side Airbag, Rear Parking Aid, Tire Pressure sensor, Driver Airbag, Pass

Most are sold with variable and indexed annuities serving as the delivery method for this guaranteed income component, and agents have a tendency to not fully explain how income riders actually work.

Most buyers take advantage of the variable mortgage as it is beneficial over the short term in case they need to buy and sell quickly.

While labeled an annuity, Variable Annuities are primarily sold for their accumulation, or wealth - building, potential as opposed to their ability to create income streams.

They also sold EIAs, Variable Annuities and Life products, and had a group life, specialty heath, and pension business as well.

This of course would have a devastating effect on a retirement portfolio and as such, bonds should be part of an overall diversification strategy with investments purchased and sold according to current macroeconomic environment variables.

Variable - annuity panaceas are sold as full market upside with attached guarantees.

Grant continues, «As a company that sells mortgage leads to banks and lenders we get a lot of feedback from lending companies and most FHA lenders do not want to get burned when the interest rate converts to a variable rate term, especially since 30 - year fixed rate mortgages are published at 4.375 %.».

In life insurance, agents must be licensed as securities brokers / dealers to sell variable annuities, which are similar to stock market - based investments.

• Losing money and / or not making money in up markets, due to poor performance of the poorly - selected investment choices (called their «line - up» of variable subaccounts, which are just the choices of regular mutual funds wrapped up in a tax wrapper selected as the most profitable to sell by the good «ol boys at the life insurance company).

Waste disposal for DSI may also be a significant variable cost, while the waste products from an FGD system can be sold as feedstock for industrial processes.

The primary reason a VUL is not offered by most companies is that the investment portion is in «securities,» and no one can sell securities, i.e. variable products such as stocks, bonds, and mutual funds, without a federal securities license.

The fee structure in broker sold variable annuities such as the one in the analysis above is such that it diminishes the value of the guarantees the products are supposed to provide.

In addition, as subsidiary of the Lincoln group, the company is also included in the accolade given to the group: number 27 on Fortune 500, number three company when it comes to insurance sales, number five company with the largest amount of variable annuity plans sold, and number nine in overall ranking for total sales of fixed annuity plans.

In certain jurisdictions, this product was sold as a single premium variable annuity that has a different surrender charge schedule and minimum premium payment.

Therefore, under the authority of the SEC and FINRA, Index Universal Life Insurance can not be marketed or sold as a «security», «variable security», «variable investment» or direct investment in a «security» (or the stock market), because it is not.

In certain jurisdictions, this product was sold as a modified single premium variable annuity, whereby additional premium payments were not permitted after the first policy year.

People may also use variable universal life insurance, and sometimes universal life insurance, as a retirement investment as well (though it is illegal for insurance companies to sell a universal life insurance policy as an investment).

I am not quite sold on the idea of obtaining a disability insurance quote online as there are so many variables that determine the premium you pay as well as the benefit you receive.

There are those, especially amongst agents that sell whole life insurance or indexed or variable universal life insurance, who point to this as «the dirty little secret of term life insurance».

Questions to ask include whether the office is compatible with the type of real estate you sell and the services you render; the number of clerical staff you actually need (as opposed to the amount you assume you need); how your location identifies with your clientele; furniture, fixtures and equipment; variable costs compared to productivity, and other inputs that would include how your clients, agents, and employees view the relativity of these various factors.

Similar to the studies below, we chose 180 days (six months) both before and after a home was sold as the limit for our variable intended to capture the effect that drilling has on home sales.

- Is there a way to structure this investment as a loan that has a variable rate based on net income and then some sort of balloon payment when sold?