Sentences with phrase «universal life options»

They offer a standard 10, 15, 20, or 30 year level term and well as Guaranteed Universal Life Options that can extend your coverage to the age of 121.

However, with that concern noted, Guardian does offer an impressive range of policy options, from a solid wealth building whole life product to various universal life options including indexed universal life.

Like most permanent life insurance policies, Farmers New World Life Insurance Company's universal life options offer lifelong coverage, 2 as long as all premiums are paid to keep the policy in force.

To help you find the permanent life insurance policy to fit your coverage needs and financial planning strategies, Farmers offers these universal life options:

Riversource Life Insurance offers two Indexed Universal Life Options.

However, with that concern noted, Guardian does offer an impressive range of policy options, from a solid wealth building whole life product to various universal life options including indexed universal life.

Arguably, they've made up for this lack of diversity with a keen emphasis on providing a widely diverse set of universal life options for consumers.

Along with the cash value building as time goes on, the universal life option from Thrivent Financial allows all policyholders to make adjustments as their life changes.

This policy has more of a focus on building cash value compared to the Guaranteed Universal Life option.

Not exact matches

This option is usually only available with universal life insurance policies and is somewhat risky because your policy will lapse if its cash value reaches zero.

Since there's little cash value component to it, guaranteed universal life insurance is typically the best option if you're interested in permanent coverage without an investment component.

Here, we'll discuss the basics of the four most common permanent life insurance options our clients choose: Whole Life, Guaranteed Universal Life, Universal Life, and Indexed Universal Llife insurance options our clients choose: Whole Life, Guaranteed Universal Life, Universal Life, and Indexed Universal LLife, Guaranteed Universal Life, Universal Life, and Indexed Universal LLife, Universal Life, and Indexed Universal LLife, and Indexed Universal LifeLife.

Lifetime Builder Elite is the next generation in indexed universal life (IUL) insurance, providing a cost - effective option for death benefit protection while offering the opportunity for significant interest crediting potential.

This new generation of indexed universal life insurance is... Built to be flexible: Lifetime Builder Elite is the next generation in indexed universal life (IUL) insurance, providing a cost - effective option for death benefit protection while offering the opportunity for significant interest crediting potential.

While whole life insurance is the most popular type of permanent coverage, guaranteed universal life insurance is typically the better option for seniors.

If you are a lucky enought that still have tons of cash rotting away, then Index Variable Universal Life MAY be an option.

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A new «Social Feeds» app lets you swipe between panels for arbitrary RSS feeds, AIM, BBM, Facebook, Google Talk, MySpace, Twitter, Windows Live, and Yahoo Messenger, and you have various options to integrate those services into the alerts bar or into your universal inbox.

Life Insurance: Life Insurance options provided by Alfa Insurance include term life insurance, permanent life insurance, universal life insurance and annuitLife Insurance: Life Insurance options provided by Alfa Insurance include term life insurance, permanent life insurance, universal life insurance and annuitLife Insurance options provided by Alfa Insurance include term life insurance, permanent life insurance, universal life insurance and annuitlife insurance, permanent life insurance, universal life insurance and annuitlife insurance, universal life insurance and annuitlife insurance and annuities.

The higher premium amount coupled with the lower initial death benefit amounts are the biggest disadvantage to universal life insurance option B.

Under universal life insurance option B, the policy proceeds increase over time and are equal to the cash value plus the death benefit.

Understand the definitions and implications of universal life insurance option A versus option B by looking at:

The primary advantage of universal life insurance option B is that cash values grow more quickly over time and the higher level of excess premium contributions allowed by the IRS.

Expanded ability to contribute excess premiums can be the deciding factor when comparing universal life insurance option A versus Option B. Option B allows for greater tax - favored cash accumuloption A versus Option B. Option B allows for greater tax - favored cash accumulOption B. Option B allows for greater tax - favored cash accumulOption B allows for greater tax - favored cash accumulation.

Many policies also offer you the option of converting your term policy into a permanent life insurance policy such as a universal life policy.

One of the most misunderstood features of universal life insurances is the difference and significance between option A versus option B. Flexibility is the hallmark of universal life insurance.

While not for everyone, indexed universal life insurance policies are a viable option for people looking for the security of a fixed universal life policy and the interest - earning potential of a variable policy.

Another flexible option, universal life insurance also accrues a tax - deferred value over time.

Thus, in the same way that life insurance companies offer alternatives such as guaranteed universal life insurance, indexed universal life insurance OR variable life insurance, annuity contracts offer similar options.

Fees for these policies may be higher than for universal life, and investment options can be volatile.

Universal life insurance if non-guaranteed only offers a potential return based upon whatever investment option is selected.

In our previous article featuring the best life insurance companies, we focused on a broad criteria to identify those companies that offer the consumer a great mix of permanent life insurance options ranging from dividend paying whole life insurance to universal life insurance of various types.

We also want to know what kinds of coverage options and incentives for consumers are available from a given universal life policy.

In addition, Sagicor's simplified issue whole life and universal life insurance policies have higher options for death benefits than you can find almost anywhere else.

If you're ever to get into financial trouble, universal life affords you the option to stop paying your premiums and use the cash value of your policy to cover that cost.

In an effort to suppress the exodus from their products, the life insurance companies decided to add mutual funds to their cash value investment options — and thus the Variable Universal Life policy was blife insurance companies decided to add mutual funds to their cash value investment options — and thus the Variable Universal Life policy was bLife policy was born.

With strong financial ratings and superior product options, Principal is often our go to choice for indexed universal life insurance.

The additional wrinkle with variable universal life is that the policyholder has a variety of investment options to choose from.

Not only does the single premium option eliminate one of the core benefits of a universal life insurance policy — flexible payments — but you need to confirm if this policy will be a modified endowment contract.

When you purchase a guaranteed universal life insurance policy, you choose how long you want coverage to last, with typical options ranging to age 100, 110 or 121.

If you choose to exercise this option, it allows you to convert all or a portion of the existing death benefit to permanent insurance coverage, such as whole life or universal life, with no evidence of insurability required (i.e. no medical exam or health questions).

Universal life insurance is often compared to whole life insurance, a policy that also offers lifelong coverage, but is less expensive and offers more policy options.

While whole life insurance is the most popular type of permanent coverage, guaranteed universal life insurance is typically the better option for seniors.

The good news is you have convertible term life insurance, which allows you to exercise the option with the insurance company to keep your coverage for the rest of your life by converting the term policy to whole life or universal life.

Variable UL policies are similar to regular universal life insurance with one primary exception, VUL policies allow direct investment options through sub-accounts similar to mutual funds.

Variations such as variable and indexed universal life insurance give you options for how to invest the policy's cash value.

Alternatively, you can also choose to convert your policy to a permanent insurance option before the term expires into one of the Company's other universal life insurance products.

Indexed Universal Life offers some additional benefits over Universal Life, including potential for higher returns and two death benefit options.

Symetra also has consistently low rates for guaranteed universal life insurance, with the option of accelerating the death benefit if you are diagnosed with a chronic or terminal illness.