Sentences with phrase «universal life products»

Generally speaking, we do not recommend a single premium variable universal life product to our clients because they generally have little advantage over a standard variable universal life policy that is correctly funded.

For years these companies have offered their most competitive lifetime guarantee universal life products for conversion.

It's not unusual for the indexed universal life product to have a cash value that's significantly below the premiums paid for several years after issue.

I will be posting more details about other guaranteed universal life products as they post their new rates and any new changes to their policies in the near future.

At least eight of the top 20 universal life carriers have stopped selling a popular type of universal life product, and those exits are impacting overall individual life sales this year.

Investment - driven universal life products have their selling points which can attract consumers, primarily the opportunity to build a larger cash value.

Today, it offers a wide range of life insurance products, from a fully flexible universal life product to traditional term and whole life plans and annuities.

Hybrid universal life products are funded with a single pay, 5 pay, 10 pay, annual or monthly premium, depending on the policy type.

The guaranteed, last survivor universal life product is a key player for those who are working towards estate planning.

I've been blogging since the first of the year about the coming changes in universal life products that have external no lapse guarantees.

Some external guarantee universal life products going up in price, some being dropped.

Many companies have removed this risk with the introduction of universal life products that guarantee modest returns.

Without cash value it is still the leading no lapse guaranteed universal life product on the market.

AIG presents the simplest of its IUL's in the Elite Index II, an indexed universal life product with all the upsides of growth you would expect in an IUL, and downside protection to keep your money safe and secure, all while providing a death benefit.

Indexed universal life products offer interest - crediting rates linked to a stock market index, with the safety of a minimum guaranteed interest rate.

He will also receive a $ 236,146 income tax - free benefit for long - term care (figures for universal life product are based on state of Florida current rates as of December 2005).

Prudential offers five different Universal Life products such as;

If a New York Life Universal Life product is right for your situation and needs, read on to learn about its many benefits and features.

Sage No Lapse Universal Life product offers you an affordable universal life insurance policy as an alternative to term life insurance, which you may outlive.

As analogy, if most universal life products can be referred to as a thoroughbred racehorse, most whole life products may be deemed the Clydesdale workhorse.

National Life has a full suite of fantastic Universal Life products to choose from.

NYL Universal Life products are designed to give you added flexibility while preserving the benefits of a permanent life insurance policy.

Banner Life has and has had for some time the most competitive no lapse guarantee universal life products available.

With an ordinary Universal Life product, the policy could lapse under certain circumstances (e.g., interest rates fall below projections, insurance costs or administrative expenses rise, etc).

This unique universal life product has some of the same features as many term life products available, but is generally less expensive — with savings up to 20 % compared to other products in the marketplace.1 View the Product Guide for more information.

I would caution any investor loooking at universal life products to avoid investing in callable zero coupon bonds.

Term can also be purchased along with the permanent Universal life products.

Sales incentive «table shaving» programs have been around for a long time on universal life products where the premiums are high and it's easier to knock off a few rate classes and still have plenty of money coming in to cover the risk.

NYLIAC universal life products are designed to give you added flexibility while preserving the benefits of a permanent life insurance policy.

Whole life insurance has been replaced by Universal life products which are much more cost effective.

As of today, the only Universal Life product that Banner offers is their LifeStep UL.

You can choose from the various universal life products, including GUL, VUL and IUL.

«The Authority has received several complaints on the sale practices of the insurers regarding universal life products.

The report found annualized premium sales for death benefit guarantee universal life products dropped 3 percent from the second quarter of 2010, but held 45 percent of the UL market share in the second quarter.

Please note that the life insurance for a Guaranteed Universal Life product provides permanent coverage.

If you are looking for a good universal life product then it might be one company, and if you want a good dividend paying whole life policy, than it might be other companies.

The successful agents of the dark decades of cash value universal life products have either retired wealthy or are still making unseemly amounts of money by making people believe that the products they sold were at worst, a great way to buy permanent life insurance and make money doing it, or at best the complete and total answer to every possible life insurance and retirement question you could ever ask.

Effectively communicate Variable Universal Life product features to individual policy owners and insurance agents.

Same flexible premiums and death benefit as other universal life products with addition of sub-accounts which may grow based on specific performance of stock, bond, or money market accounts.

In a post last Wednesday I reported a rumor that AXA Equitable was re-evaluating its» universal life products with an eye toward getting rid of their external no lapse guarantee.

Lincoln has several different Universal Life products to choose from, including the Lincoln LifeGuarantee UL, the Lincoln LifeCurrent, and the Lincoln LifeReserve.

Universal and whole life insurance products are also available for the more permanent needs of Americans, and there's also an Index Universal Life product for those who want to attempt at increasing their cash values by utilizing market growth.

If a New York Life Universal Life product is right for your situation and needs, read on to learn about its many benefits and features.

The Sage Term product is convertible to the Sage No Lapse Universal Life product, which is one of the best permanent policies in the market.

For universal life products, in lieu of dividends, experience is reflected through changes to nonguaranteed charges and credits.