Sentences with phrase «value insurance products»

First Insurance's core belief is «innovative broking with traditional values» which provides our clients with great value insurance products, treating our clients as individuals — the way we would wish to be treated ourselves.

However, the right choice between permanent insurance / cash - value insurance products (whole life, universal life, etc.) and term life insurance also depends in large part on the circumstances and mindset of the policyholder.

Long - term care (LTC) coverage is often available as a rider to a cash value insurance product such as universal, whole, or variable life insurance.

The life insurance approach to long - term care coverage is fairly straightforward: You invest in a cash - value insurance product — whole, universal or variable universal life — and select your LTC coverage terms in the rider.

Not exact matches

These are insurance products that aren't really available on the market, and landlords see huge value in them.

An adviser who earns a flat fee - such an hourly rate or a set percentage of your portfolio value - is much better aligned with you than an adviser who earns commissions for selling you particular mutual funds, insurance policies, or other products.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

The other category of life insurance products is referred to as cash value, or permanent life.

Whole life products have an added investment component along with their pure insurance or death benefit function; these policies build cash value over time.

An advisor who earns a flat fee — such an hourly rate or a set percentage of your portfolio value — is much better aligned with you than an advisor who earns commissions for selling you particular mutual funds, insurance policies, or other products.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

In the case of an oil spill cleanup, the costs are likely to be directly incurred by an insurance company, but the premiums paid for that insurance come at the expense of the value of the oil transportation service — the higher the expected clean - up costs from oil spills, the higher insurance premiums will be, and this will mean higher pipeline tolls, which in turn implies lower profits, taxes, and royalties on the products shipped.

Additionally, conventional (non-FHA) mortgage products with a loan - to - value ratio above 80 % usually require private mortgage insurance, or PMI.

«Our Value Whole Life product is one of the most competitive products on the market and provides access to all the benefits of whole life insurance, including the guarantees * it provides, at a more affordable cost,» said Alex Cook, senior vice president, New York Life.

Lifetime Builder ELITE also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

It also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

For certain cash value life insurance products there is investment risk, including the possible loss of value.

Similar to a permanent life insurance product, some return of premium products generate a cash value.

Indeed, it's not only car insurance that South Africans struggle with — other types such as personal, life, and value added products like Domesticsure are far from many consumers» minds.

For home equity loans and lines of credit (1) Maximum loan amount depends on home value and total loans secured by home (2) Property insurance required (3) Consult your tax advisor about tax deductibility (4) Closing costs are $ 149 for home equity loans and home equity lines of credit plus cost of appraisal, if needed, and can range from $ 400 to $ 700 (5) No annual fee for qualified credit (6) For balloon products, balance might not be paid in full by end of term.

Many permanent life insurance products also have a feature called cash value.

Shop Wisely - There are two basic kinds of life insurance products to choose from; term life insurance and whole life insurance, also commonly known as cash value or permanent insurance.

For our Pacific Life Insurance Company review we will focus our attention on the company's indexed cash value accumulation product called the Pacific Indexed Accumulator 5.

The former is a wealth building product that is designed to grow cash value within a life insurance policy whereas the latter is designed primarily to provide a permanent death benefit.

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 born.

But if the cash value is invested wisely, and the investments perform well, the cash value may grow faster than any other life insurance product.

This cash value is invested in a number of ways across the different permanent life insurance products.

The variable life insurance policy is a cash value life insurance product.

Ramsey doesn't believe in buying whole life insurance, also known as cash value life insurance, because of its dual role as an insurance product and an investment vehicle.

Securities and insurance products offered are: NOT FDIC INSURED — NOT BANK GUARANTEED — NOT A DEPOSIT — MAY LOSE VALUE.

And while term insurance is sold for specific periods of time, typically anywhere from 5 to 30 years, a cash value insurance policy is usually considered to be a permanent life insurance policy, as these products are designed to remain in force for your entire life.

A cash value policy is an insurance product that packages insurance and savings together.

It also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

A common objection to QLACs is that they don't build or provide access to cash value unlike other insurance products used for retirement planning.

Lifetime Builder ELITE also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

Conclusion: The following tables shows the total present value cost of the various insurance products.

As noted above, and like many mortgage - related things, your mortgage insurance premium is based upon several factors, including your credit score, the amount of your down payment as a percentage of the value of the home (LTV); your choice of mortgage product (fixed rate or adjustable rate — and how frequent the rate adjustment will be); the length of the term of your mortgage (15, 20, 25, 30 years), the amount of the mortgage and of course the level of coverage the investor requires for your kind of loan and borrower profile.

As term to 100 does not have any cash values, premiums are typically less expensive than other permanent products that do have cash surrender values, such as whole life insurance.

Education on the benefits of any product creates value in the consumer's mind, and renters insurance is no exception to that truism.

These plans are funded solely with insurance products such as cash value life insurance or fixed annuity contracts, and the plan owner can often deduct hundreds of thousands of dollars in contributions to these plans each year.

Effective Coverage operates under a set of core values that serve to help us to both offer the best insurance products and services that renters need, but also to focus a significant amount of corporate effort on education.

For those of you who are such industry dinosaurs that you remember how to do a FLEX 97 loan with Lender Paid Mortgage Insurance (LPMI), you're in luck because, aside from 95 % conventional with single premium financed mortgage insurance (SPMI), the time has come where this is the best high loan - to - value product for pInsurance (LPMI), you're in luck because, aside from 95 % conventional with single premium financed mortgage insurance (SPMI), the time has come where this is the best high loan - to - value product for pinsurance (SPMI), the time has come where this is the best high loan - to - value product for purchases.

It is designed for those who want life insurance protection but are also investment - minded and desire the potential for greater cash value accumulation than generally available in a fixed insurance product.

They say that actuary assess the risks of insurance products to find value for consumers, at the same time evaluate the probable risks of the product.

Interest Sensitive Whole Life Insurance — Interest sensitive whole life insurance is a guaranteed fixed premium permanent life insurance product that offers a minimum amount of caInsurance — Interest sensitive whole life insurance is a guaranteed fixed premium permanent life insurance product that offers a minimum amount of cainsurance is a guaranteed fixed premium permanent life insurance product that offers a minimum amount of cainsurance product that offers a minimum amount of cash value.

If you don't like the idea of PMI or a second mortgage, there are always products like the Bank of America No Fee Mortgage, which promises no mortgage insurance even if your loan exceeds 80 % loan - to - value.

For more reasons why you should apply for a life insurance product whether it be a Term or Permanent product, and for help in finding the right plan for your needs, at the best value, take a look at our section called «Most Important Questions»

So please take a moment to get familiar with the different products out there so you can better enjoy the following article that covers the top 10 no exam life insurance companies for cash value accumulation.

For certain cash value life insurance products there is investment risk, including the possible loss of value.