Sentences with phrase «universal life insurance customers»

As the years went by, traditional universal life insurance customers watched the cost of their life insurance rise while interest rates continued to decline.

Not exact matches

Term life is a fully different type of policy from that of universal life (indexed or not), or whole life insurance, but the basic idea is the same; the customer pays regular premiums to the insurer and should he die while the policy is in force, the insurer is obligated to pay his beneficiary or beneficiaries a pre-determined lump - sum amount.

Our variable universal life insurance, with initial refund rate amounting to 88 %, demonstrates LINA Korea's firm commitment to the best customer service experience through innovation.

For instance, for an American, there may be term insurance, permanent insurance, whole life, universal life, long term care insurance, accidental death, critical illness insurance, disability insurance, variable products, graded and modified, guaranteed premiums, living benefits, return of premium, policies for 5,10,20,30, or for life coverage — all very confusing to a potential customer.

MetLife offers customers life insurance products, including term and universal life insurance; as well as disability insurance for both individuals and business owners, annuities, dental insurance, home and auto insurance.

For example, term life insurance policies require a lower reserve than whole and universal life policies, so term life customers in particular can expect to see a big drop in premiums.

The company is a top tier provider of both term and permanent life insurance products, which can offer its customer's wealth accumulation, protection, and transfer opportunities via term, variable, and universal life insurance options.

Was created by Farmers in 1999 so that agents could offer customers a wide array of financial products, including mutual funds, variable universal life insurance, and variable annuities.

Through AAA, customers can purchase whole life insurance and / or universal life insurance.

In addition to indexed universal life insurance coverage, Symetra also offers a wide range of products and services to both individual and business customers.

The Index Universal Life (IUL) policy gives Genworth customers more options within a single insurance product, such as a long - term care service benefit like Genworth's Accelerated Benefit Rider.

In the insurance world you will see universal life insurance being used more in advanced estate planning after other tax - free / tax deferred options (like 401ks, IRAs, etc...) have been maxed out and customers are seeking ways to maximize their money in a tax deferred way to help minimize current tax obligations that can't be gained using other forms of investment vehicles.

By offering a number of different life insurance options — including term and permanent (including universal life, variable universal life, and others)-- customers have choices when seeking the coverage that will best fit their specific needs.

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While there are plenty of whole life and probably a lot less traditional universal life, indexed universal life and variable universal life customers out there, the truth is they probably don't know that they don't have to be paying so much for permanent life insurance protection.

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Those companies that we all know, with the notable exception of Prudential, are making a killing selling overpriced term insurance, whole life and universal life to customers that really don't check it out and find out what they can really get.

They noted that their loyal customers who had converted their life insurance to their amazingly priced no lapse guaranteed universal life, had a higher percentage of death claims than term insurance clients that hadn't converted.