Sentences with phrase «traditional ul»

Don't buy something you don't need, but if you need a new term insurance policy to add to your existing portfolio or replace one with a term too short for your needs, or a low priced universal life with a no lapse guarantee to replace an overpriced traditional UL or whole life, it's fire sale time.

Less expensive than whole life but not susceptible to the rate changes that have made traditional UL products infamous.

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Keep in mind that there will be a large difference in the premium price when compared to a traditional UL plan.

With a traditional UL policy it has the possibly of lapsing in certain circumstances.

First, declining interest rates drove down traditional UL credit rates for well over a decade.

Due to the fluctuations in the stock markets, the traditional UL insurance model may be too risky, therefore if you are looking at a life insurance option that will help you with savings, then make sure and discuss the effects your investment portion will have if the stock market is in a downturn.

Because of the expenses involved in purchasing options to mimic the return of an index, within the confines of the cap and participation rates, IULs can feature higher expense ratios than traditional UL policies.

While IUL policies can boost the performance of your cash account over that of traditional UL, the restrictions on how much you can benefit from market movements in the form of cap and participation rates should be studied carefully when considering a purchase of IUL, given their potential to limit the growth of these equity indexed accounts.

Not exact matches

If you find there are leaks or holes, then traditional methods of sealing ducts requires access to your duct work and specialized duct tape (not the stuff you buy in stores called Duct tape, but specialized aluminum HVAC tape, known as UL - 181, that's shiny on one side).

An indexed universal life insurance policy, aka IUL insurance, or simply IUL, is similar to traditional universal life (UL) in that it offers a death benefit and a cash value account that increases over time.

UL is unique in the sense that this type of policy «unbundles» the pricing elements that make up a traditional cash - value permanent policy — interest earnings, mortality costs, and company expenses — and prices them separately.

Custom Choice UL 10 Custom Choice UL 10 is a universal life insurance policy with initial planned premiums comparable to traditional term life insurance.

UL is unique in the sense that this type of policy «unbundles» the pricing elements that make up a traditional cash - value permanent policy — interest earnings, mortality costs, and company expenses — and prices them separately.

There are also IRAs such as Traditional, Roth and SEP IRAs for retirement planning; mutual funds; after - tax annuities including flexible premium deferred variable annuity and single premium immediate annuities; and life insurance consisting of level term, annual renewable term, universal life (UL), variable universal life (VUL), and survivorship UL & VUL policies.

The company offers this UL product instead of traditional level term life insurance.

In preparing to help write an article about the catastrophic meltdown of traditional universal life insurance policies I was seeking some industry assistance in nailing down approximately what percentage of the total number of UL's were in danger of imploding.

The Ul's I talked about are not market sensitive like, for instance, an indexed universal life or traditional universal life.

Structurally the same as term insurance, rather than using internal cash like traditional universal life or whole life, the UL no lapse uses an external guarantee to keep a level premium.