Sentences with phrase «than term policies if»

In the long run participating permanent policies may be less costly than term policies if you consider the cash value and the dividend.

Not exact matches

In other words, if you tighten monetary policy, certainly by more than is discounted in the market — and what's discounted in the market is very minor rising market — that will reverberate through asset class prices, as well as then you can have a situation in terms of the economy.

While this makes term life insurance significantly less expensive than permanent life insurance, it also means that you will not receive any benefit if you outlive the policy.

If it were to be decided that monetary policy should be more responsive to asset price events, such an approach would have to be motivated by a broader and rather more long - term notion of financial and monetary stability than is in common use today.

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

In addition, term life insurance policies are cheaper than other forms of insurance, so they're usually the best choice if you need a particularly large amount of coverage.

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

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.

Mr Lipsky acknowledged that the deficit reduction plan would «create some headwinds for near - term growth» but added it would «also assist disinflation and thus it can be countered if necessary by looser monetary policy than would necessarily be the case».

So if the Scottish Greens (with six MSPs) have any sense, they'll play hard to get - not least because their policy agenda (anti-fracking and properly redistributive in terms of income tax) is significantly more radical than the centrist SNP's.

«If any discouragement exists, it is related more to long - term benefits than to the amount received, a situation we can correct by applying the adequate measures in the area of active employment policies,» he clarifies.

Such near - term benefits provide the basis for a no - regrets GHG - reduction policy, in which substantial advantages accrue even if the impact of human - induced climate change turns out to be less than current projections show.

In North Carolina, Filardo suggested a policy wherein state officials step in to offer capital assistance if a district spends more than a certain percentage of its infrastructure dollars on short - term maintenance, rather than speeding long - term, fiscally responsible investments.

- Examine vehicle to determine if additional safety or service work is required - Advise Manager if additional work is needed - Document all work performed as soon as job is completed - Attend factory sponsored training classes and keep abreast of factory technical bulletins - Understand and follow federal, state and local regulations such as disposal of hazardous wastes - Ensure that vehicles are kept clean - Perform all other duties as assigned - Follow all company safety policies and procedures & immediately report any and all accidents to Manager or Supervisor REQUIREMENTS: - High School Diploma or equivalent - ASE Certification preferred - Automotive Technician - Minimum 2 years previous experience - Excellent driving record - Self - motivated with ability to perform quality work with efficiency - All applicants must be authorized to work in the USA - All applicants must have the ability to pass pre-employment testing to include background checks, MVR, drug test, and valid driver's license - All applicants must perform duties and responsibilities in a safe manner - Ability to read & comprehend instructions and information - Personal & Professional Integrity - Desire for long - term employment If you're looking to work in a progressive environment with a rapidly growing organization, than we have a position available for yoif additional safety or service work is required - Advise Manager if additional work is needed - Document all work performed as soon as job is completed - Attend factory sponsored training classes and keep abreast of factory technical bulletins - Understand and follow federal, state and local regulations such as disposal of hazardous wastes - Ensure that vehicles are kept clean - Perform all other duties as assigned - Follow all company safety policies and procedures & immediately report any and all accidents to Manager or Supervisor REQUIREMENTS: - High School Diploma or equivalent - ASE Certification preferred - Automotive Technician - Minimum 2 years previous experience - Excellent driving record - Self - motivated with ability to perform quality work with efficiency - All applicants must be authorized to work in the USA - All applicants must have the ability to pass pre-employment testing to include background checks, MVR, drug test, and valid driver's license - All applicants must perform duties and responsibilities in a safe manner - Ability to read & comprehend instructions and information - Personal & Professional Integrity - Desire for long - term employment If you're looking to work in a progressive environment with a rapidly growing organization, than we have a position available for yoif additional work is needed - Document all work performed as soon as job is completed - Attend factory sponsored training classes and keep abreast of factory technical bulletins - Understand and follow federal, state and local regulations such as disposal of hazardous wastes - Ensure that vehicles are kept clean - Perform all other duties as assigned - Follow all company safety policies and procedures & immediately report any and all accidents to Manager or Supervisor REQUIREMENTS: - High School Diploma or equivalent - ASE Certification preferred - Automotive Technician - Minimum 2 years previous experience - Excellent driving record - Self - motivated with ability to perform quality work with efficiency - All applicants must be authorized to work in the USA - All applicants must have the ability to pass pre-employment testing to include background checks, MVR, drug test, and valid driver's license - All applicants must perform duties and responsibilities in a safe manner - Ability to read & comprehend instructions and information - Personal & Professional Integrity - Desire for long - term employment If you're looking to work in a progressive environment with a rapidly growing organization, than we have a position available for yoIf you're looking to work in a progressive environment with a rapidly growing organization, than we have a position available for you.

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 you buy a 10 year term policy and want to renew it at the end of that term, the premiums will be higher than what you were originally paying, so choose the length of the term carefully.

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

And if you are in need of a larger death benefit initially than your budget allows, you can add a term life rider to your policy to enhance your initial death benefit.

In addition, term life insurance policies are cheaper than other forms of insurance, so they're usually the best choice if you need a particularly large amount of coverage.

If you are older, in your 40s or above, and in less - than - stellar health, the price difference can be double or even triple the cost of a normal term policy.

This means that if you know that you want coverage for a longer period of time, you'll pay a higher average premium with Colonial Penn than if you purchased a longer term policy elsewhere (such as a 10 - year or 20 - year term) since your risk profile increases with age.

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

If you're looking for the flexibility to convert your term policy into a permanent policy, a term conversion rider can make that process easier than if you were to buy a new permanent at the end of your term policIf you're looking for the flexibility to convert your term policy into a permanent policy, a term conversion rider can make that process easier than if you were to buy a new permanent at the end of your term policif you were to buy a new permanent at the end of your term policy.

However, if you need more life insurance and have since developed health issues, converting to permanent will likely be cheaper than applying for a new term policy altogether because at that point your health will be taken into consideration.

If you do need permanent life insurance, it will cost more than term coverage and a guaranteed universal policy is the closest way to approximate your cost of coverage.

Policies with less than $ 1 million death benefit, if you're between the ages of 20 - 40 (for 15, 20, 25, and 30 - year term pPolicies with less than $ 1 million death benefit, if you're between the ages of 20 - 40 (for 15, 20, 25, and 30 - year term policiespolicies)

For the non-finance people and beginners out there, how should we go ahead with such plans and know what to invest so that we will not end up worse than what we could have had from insurance companies (the surrender value) if we hadn't signed up for term insurance, ie, signed up whole life, limited premium, ILP policies instead?

First, premiums are substantially higher than what a person would pay for a term life insurance policy for the same dollar amount, if it were to be issued.

Because it comes with a «money back guarantee» if you outlive the policy, it's more expensive than typical term life insurance.

They cost more than your standard term life insurance policy, but if you really want that money back a few decades from now, they're worth considering.

Another major benefit of first - to - die term life insurance is that you will be able to access the benefits of the policy sooner than if you both had smaller individual policies.

This covers anything from the fact you were already covered through work or your partner, the policy was not what you agreed to, the insurance term was shorter than your loan and you didn't realise, or if you thought it was a joint policy but in fact it was only in one person's name.

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.

Given term life insurance policies are cheaper than the cost of burial insurance, we would recommend buying term coverage and saving if this is an option.

This means another health exam, and of course your age will be a factor in determining the cost of a new insurance policy — even though term life insurance is cheaper than permanent life insurance, you'll naturally pay more for a term policy today than you would have 5, 10, or 20 years ago, and if you're above a certain age you may have trouble getting a term life policy at all.

Even if your flood insurance claim is less than your coverage limits, the policy still has limitations in terms of what will be paid for.

If you primarily wanted coverage to replace your income before you retired or cover certain expenses, like a mortgage, we wouldn't recommend converting to a permanent policy as you'll pay higher premiums than if you purchased a new term policIf you primarily wanted coverage to replace your income before you retired or cover certain expenses, like a mortgage, we wouldn't recommend converting to a permanent policy as you'll pay higher premiums than if you purchased a new term policif you purchased a new term policy.

If the child has a shorter life expectancy than the caregiver, a term policy that would cover the expenses through the child's life expectancy could be considered.

Term costs considerably less, and if you invest your savings yourself, you'll almost certainly have more money in the future than you will have with a whole life policy.

A term life insurance policy may work for you if you only need coverage for a limited amount of time (such as when your children are young), especially since permanent life insurance can be more expensive than term life plans.

If it fits your needs, a term policy is usually cheaper than a whole life insurance policy.

Though the policy will cost much more than a term life insurance policy with a similar death benefit, they can be an excellent type of life insurance policy to have if you are not a saver by nature.

If you already have a term life insurance policy, it is more than likely that a guaranteed renewal clause is included.

For example, a common arrangement is for the employee to pay the cost of term insurance relative to the policy and if the policy is permanent life insurance, such as a cash value life insurance policy OR indexed universal life, the cost of term may be substantially less than the actual cost paid by the employer.

For instance, if paying for college is a major financial concern but you're pretty sure that you won't need life insurance coverage after the kids graduate, than it might make sense to buy a term policy that'll get you through the college years.

«If your goal is to make sure your family has enough to be taken care of financially if something does happen to you, then term life insurance is a lot cheaper than permanent life insurance policies,» says Richard Morris at Southwest Premier Insurance Agency in ArizonIf your goal is to make sure your family has enough to be taken care of financially if something does happen to you, then term life insurance is a lot cheaper than permanent life insurance policies,» says Richard Morris at Southwest Premier Insurance Agency in Arizonif something does happen to you, then term life insurance is a lot cheaper than permanent life insurance policies,» says Richard Morris at Southwest Premier Insurance Agency in Arizona.

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

Alternatively, if it is determined that the policy has real economic value to keep, the advisor and client should consider whether it makes more sense to simply keep the policy to benefit directly from the long - term value of the death benefit, rather than sell as a life settlement (since by definition, if it's valuable to a buyer to purchase, it's valuable to the seller to keep it!).

(With the caveat that if we bilge the short - term crisis badly enough, population trends are quite likely to be driven by other factors than social policy.)

Perhaps if he had termed it a «policy advice monopoly», the argument would have more merit, but it is still not a monopoly in that realm, because there is no dearth of competitors willing to offer conflicting advice, no dearth of politicians willing to give more credence to the competitors than to the IPCC, and no dearth of media sources willing to communicate these views to the lay public.