Sentences with phrase «than insurance products»

Not exact matches

An adviser who earns a flat fee - such an hourly rate or a set percentage of your portfolio value - is much better aligned with you than an adviser who earns commissions for selling you particular mutual funds, insurance policies, or other products.

Other insurance companies have 50 % of their business in ASO products, which means that Cigna is less exposed to those unexpected costs than many of its competitors.

LeapFrog's first fund of $ 135 million made equity investments of between $ 5 million and $ 15 million in eight companies in Africa and Asia offering insurance and other financial products to individuals living on less than $ 10 per day.

«For two different clients of ours, one an insurance franchisee and another a home goods manufacturer and distributor, we noticed that posting about current events that are related to their products works better than merely posting about the product itself,» Joshua Weiss, TeliApp's CEO, says.

An advisor who earns a flat fee — such an hourly rate or a set percentage of your portfolio value — is much better aligned with you than an advisor who earns commissions for selling you particular mutual funds, insurance policies, or other products.

When an annuity is replaced with another annuity or if the money is a direct transfer from another financial product, the annuity advisor must convince the insurance company that the new annuity is better in many ways than the old product.

Insurers like structured VAs because these hybrid products require less capital to support than traditional VAs that come with lifetime income guarantees, which some insurance companies have found difficult to honor with interest rates still historically low.

Indexed annuities and indexed life insurance are linked to market indexes and expose clients to higher potential gains than a fixed product.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

Overall, Munich Re has thus far been a more active investor and partner of tech startups engaging customers digitally and developing new approaches to insurance products than its rival.

Designed to provide a survivorship life insurance solution for clients seeking strong protection and accumulation guarantees, this new second - to - die whole life product can cover two lives more cost effectively than two comparable individual policies.

Lifetime Builder ELITE also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

It also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

more likely to purchase different types of insurance products from the same provider than actively disengaged policy owners.

Hybrid products also open up opportunities to introduce new distribution channels to the business via producers who might prefer to sell benefits such as long care rather than life insurance, Reynolds indicated.

the insurance is a product on which you pay for if that product does not meet what they promised it is false advertising and a crime if such violation is with intent to defraud or mislead, be guilty of a misdemeanor, and upon conviction shall be punished by a fine of not more than $ 5,000 or by imprisonment for not more than six month.

«Product - liability policy limits are much higher than typical auto - policy limits,» explains Hilary Rowen, a San Francisco attorney who specializes in insurance issues.

After all, the existing tort - liability system is flexible enough to cover autonomous cars, and accident victims are extremely likely to go after automakers with deep pockets for product liability suits rather than individuals with auto insurance policies with lower limits.

While these products are all structured differently, the term and whole life insurance policies would fall within the category of final expense insurance, as they have limited payouts that are better suited to covering end - of - life costs than income replacement.

It is a bit more expensive than The Hartford, $ 63 on average per year, but USAA is a better option to bundle other insurance products with, and thus earning you a discount.

For more than a decade, I worked for several large life insurance companies creating investment products.

The ability to meet more than one need makes life insurance a product that adds valuable flexibility to any portfolio.

Other than a few restrictions such as limitations on using funds for estate planning service firms and certain annuities or insurance products, the loan proceeds could be used for anything you choose.

To make it simple, we managed money for an incompetent insurance management team who could only sell product by paying more than most companies did.

Product complexity: Insurance liabilities are typically more complex than bank liabilities; there are more factors that can affect the overall cost of the promises that an insurer makes to a policyholder, than a bank makes to a depositor.

Other tax - efficient options that you might consider, Dale, include corporate class mutual funds or ETFs that result in less tax than their traditional counterparts, flow - through shares, life insurance products or direct real estate investment.

It is important to remember that in addition to these exemptions, most life insurance products are protected under the law, as are funds held in an RRSP for more than 12 months.

If you have more than one insurance product then they just need to be different types of insurances to stack — eg home insurance and pet insurance.

But if the cash value is invested wisely, and the investments perform well, the cash value may grow faster than any other life insurance product.

In truth, the concept can be used with other financial products, other than whole life insurance.

As a result, we now have more than 100,000 life insurance policies in force and over 10,000 independent licensed financial service professionals marketing our products.

If you walk into an insurance agency in Manassas, you're likely to get less than stellar service because you're buying an inexpensive product that doesn't tend to build relationships.

FHA loan rates, while often slightly lower than conventional mortgage rates, are off - set by the fact that borrowers must pay both upfront and annual mortgage insurance on these loan products.

However, the benefit of going with term life insurance is that you can choose a much higher death benefit than is typically available for products with limited underwriting.

It also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

Insurance in general can be confusing, and with less than 37 % of renters having California Renters Insurance, it's not a product many people are familiar with.

It is a way of funding an insurance product that makes it much less expensive than would be possible in a traditional payment arrangement.

Lifetime Builder ELITE also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

As term to 100 does not have any cash values, premiums are typically less expensive than other permanent products that do have cash surrender values, such as whole life insurance.

It's also a more complicated product than whole life insurance.

It is designed for those who want life insurance protection but are also investment - minded and desire the potential for greater cash value accumulation than generally available in a fixed insurance product.

Based in Wilmington, Delaware, TD Bank provides personal banking, business banking, insurance and investment products at more than 1,100 retail locations in 13 states and the District of Columbia.

Using the HECM Fixed Rate Saver for fixed rate mortgages will significantly lower the borrower's upfront closing costs while permitting a smaller pay out than the HECM Fixed Rate Standard product, thereby reducing risks to the Mutual Mortgage Insurance Fund.

However, insurance agents who sell indexed annuities are mandated to participate in product - specific training that is far more comprehensive than the sales product training for securities brokers, such as mutual funds.

1 Purchases of this product with a term to maturity of greater than 5 years are not insured by CDIC deposit insurance.

The bank has more than 500 branches and provides nearly every type of financial service available, from savings accounts to auto and home loans, insurance and investment products, and online and mobile capabilities.

Effective Coverage realizes that renters have different insurance needs than homeowners, and we've innovated with new products and services to meet those needs.

Insurance type matters: Term insurance products have lower than initial premiums than Whole Life or UniverInsurance type matters: Term insurance products have lower than initial premiums than Whole Life or Univerinsurance products have lower than initial premiums than Whole Life or Universal Life.

The firm has grown to serve more than 8 million members and offers a wide variety of banking and insurance products.

Additionally, due to the nature of their customer base, they offer fewer products than some other insurance companies.