Sentences with phrase «term value of the annuity»

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If those variables do well, a variable annuity will pay you more than the fixed annuity of same initial value and term would pay.

The third option, the high - water mark, looks at the index values at each anniversary date of the annuity and selects the highest index value from those to then be averaged with whatever the index value was at the beginning of the payment term.

Variable annuities were introduced in the 1950's as an alternative to fixed index annuities which offer a guaranteed contractual rate of interest in terms of the cash value growth of the account, similar to dividend paying whole life insurance.

Annuitant Dies FirstUnder the terms of annuity contacts currently being issued, if the spouse who is also the annuitant dies, the accumulated value of the annuity is paid to the designated beneficiary and the following applies:

Under the terms of our annuity contracts currently being issued, the death of the owner, if different than the annuitant, will cause the accumulated value of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficvalue of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficValue Adjustment, to be paid to the designated beneficiary.

At the beginning of the index term that follows the end of the Marketing Value Adjustment (MVA) period, the annuity fund value is assured to reach the guaranteed minimum accumulation value, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectiValue Adjustment (MVA) period, the annuity fund value is assured to reach the guaranteed minimum accumulation value, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectivalue is assured to reach the guaranteed minimum accumulation value, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectivalue, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectively.

Continuing under the assumption that you have a defined benefit pension plan that will pay you $ 50,000 per year until you pass away I would say that your pension plan is more similar to a life annuity rather than a GIC since a GIC comes to term whereas an annuity pays until death, but if you are trying to put a value on the holding of your pension plan I would say that yes, it is fair to count it as a million dollar GIC at 5 %.

For example, a policyholder with a $ 100,000 annuity who had selected and aggregate benefit limit of 300 % and a two year benefit factor would have an additional $ 200,000 available for long term care expenses after the initial $ 100,000 policy value was depleted.

At the end of each term, the annuity's account value will be reduced only by the amount that exceeds the level of protection.

The investor also loses optional death benefits, contract value at death (depending on the timing of the election and contract terms the contract value could be realized over a specified period of time) and most other features purchased with the annuity.

And because any growth in your annuity value is generally not taxed until you take money out of the contract, the combination of tax deferral and the ability to establish guaranteed income can be an effective way to plan for retirement and other long term goals.

But because of the limits features like participation rates and caps place on returns, the value of your annuity may grow much more slowly over the long run than had you simply put some of your money in cash and / or short - term bond funds for security and the rest in low - cost stock index funds.

The array of products that Western Reserve Life Insurance Company offers for individuals range from financial products, annuities, Term Life Insurance, Universal Life Insurance, Index Universal Life Insurance, 2nd to die policies, to their most famous and valued product which is the Variable Universal Life (VUL) insurance policy.

Under the terms of our annuity contracts currently being issued, the death of the owner, if different than the annuitant, will cause the accumulated value of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficvalue of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficValue Adjustment, to be paid to the designated beneficiary.

And because any growth in your annuity value is generally not taxed until you take money out of the contract, the combination of tax deferral and the ability to establish guaranteed income can be an effective way to plan for retirement and other long term goals.

Because each annuity contract has different terms, features, and requirements, the type of annuity you buy should be based upon your particular needs, such as the need for income, growth from a conservative investment, potential growth from a variable annuity, or the need to access the value in the annuity.

PPA permits tax - free distribution of life insurance or annuity cash value to pay for long - term care (both beginning in 2010).

Although the insurance is broken down into cash value life insurance and annuities, there is a considerable amount of leeway within those terms that provides customizable policies for the individual.

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By adjusting for interest rate changes, market - value - adjusted annuities grant you the flexibility to 1) leave your money in place after the initial term of your annuity has completed, or 2) withdraw it prior to the initial term of your annuity.

Scenario A: Amar Survives the Policy Term On vesting / maturity, Amar has 2 options: Option I: Commute up to 1 / 3rd of the Fund Value and purchase annuity guaranteed for the lifetime from the balance amount.

A combination of a level premium deferred annuity and decreasing term insurance: Cash values accumulate in both annuities and level premium life insurance policies on a tax deferred basis.