Sentences with phrase «variable insurance contracts»

Performance of variable insurance contracts will be affected by annual mortality and administrative expenses and is subject to a declining deferred surrender charge.

Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies.

Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies.

Not exact matches

Variable annuity contracts offer the insurance component of an income guarantee with the possibility of increasing the payout if markets do well.

A variable annuity is a contract with an insurance company and it can come with a lot of bells and whistles.

Between insurance charges (also called mortality and expense fees), underlying sub-account fees for variable contracts and administrative fees, overall annual costs can be more than 2 percent.

[31] Therefore, from June 9, 2017, until January 1, 2018, insurance agents, insurance brokers, pension consultants and insurance companies will be able to continue to rely on PTE 84 - 24, as previously written, [32] for the recommendation and sale of fixed indexed, variable, and other annuity contracts to plans and IRAs, [33] subject to Start Printed Page 16917the addition of the Impartial Conduct Standards.

While the best interest contract exemption (the BIC, or BICE) would allow advisors to continue to sell traditionally commission - based products, such as variable and equity indexed annuities, it also exposes the insurance carrier to a heightened liability standard.

Rapidly increasing interest rates causing contract holders to surrender life insurance and annuity policies, thereby causing realized investment losses, and reduced hedge performance related to variable annuities;

Because variable annuities are insurance contracts that carry extra costs in return for guaranteed income, they're usually considered the last part of a retirement savings plan.

Preferred Plus variable annuity is a flexible premium fixed and variable deferred annuity issued by Commonwealth Annuity and Life Insurance Company, 20 Guest Street, Brighton, MA 02135: Contract Form # 3039 - 07.

When selecting long - term investments for variable annuity and variable life insurance products, many investors choose contracts that offer the funds in the American Funds Insurancinsurance products, many investors choose contracts that offer the funds in the American Funds InsuranceInsurance Series.

Preferred Plus variable annuity is a flexible premium fixed and variable deferred annuity issued by Commonwealth Annuity and Life Insurance Company, 20 Guest Street, Brighton, MA 02135: Contract Form # 3039 - 07.

Variable Annuity — An insurance company contract into which the buyer makes a lump - sum payment or series of payments.

Whereas a fixed annuity relies upon the insurance company's general account to support the contract, a variable contract involves investments in any number of sub-accounts (potentially dozens) consisting of various classes of assets such as stocks, bonds and money market accounts.

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.

To provide the investment and insurance - related benefit, a group variable annuity contains certain fees, including contract fees, a mortality and expense charge, administrative charge, withdrawal charges, investment option fees and charges for any optional benefits elected.

The value of a life insurance contract varies from person to person, even if major underwriting variables are the same.

Horizon variable annuity is a flexible premium fixed and variable deferred annuity issued by Commonwealth Annuity and Life Insurance Company, 20 Guest Street, Brighton, MA 02135: Contract Form # 3040 - 09.

Visit our variable annuity compliance documents page to access prospectuses, which contain information about contract charges and fees for the variable annuity products offered by Annuity Investors Life Insurance Company.

The current prospectus (or for the variable insurance products the contract prospectus and underlying fund prospectuses, which are contained in the same document) provides this and other important information.

Variable universal insurance contracts mostly use mutual finds as their growth engine.

Annuity: A contract sold by a life insurance company that provides fixed or variable payments to an annuitant, either immediately or at a future date.

A variable annuity works like a contract between an individual or business and an insurance company, under the terms of the contract insurance company will make periodic payments to the annuity investor, beginning either immediately or at some future date.

Also, know that underlying investment options are only available in variable annuity and variable life insurance contracts.

With a variable annuity contract, one or more payments are made to an insurance company, which agrees to pay an income stream or a lump - sum amount at a later date.

The cash value of an annuity account is set by the contract, similar to the cash value accumulation and life insurance, and varies between a fixed index annuity on one end of the spectrum AND a variable annuity on the other end.

Those matters have arisen from almost every aspect of the development, pricing, marketing, underwriting, sale, administration and claims handling of whole, universal, variable and indexed life insurance, as well as variable, fixed and indexed annuity contracts and retirement products.

Tom follows new developments in regulatory issues, and guides his clients in matters affecting mutual funds, variable insurance products, fixed annuity contracts and equity index products.

We provide a full range of legal and regulatory services to insurance companies, broker - dealers and service providers relating to the design, marketing, and sale of variable insurance products, individual and group annuities, fixed indexed annuities, market - value - adjustment products, synthetic annuities, BOLI, funding agreements, stable value wrap contracts, and other innovative products.

She could contact a registered broker and purchase a variable life insurance contract.

Annuity: A contract sold by a life insurance company that provides fixed or variable payments to an annuitant, either immediately or at a future date.

A variable annuity is a contract you buy from an insurance company.

When it comes to premium payments, there is another convenient option sometimes offered under Variable Life contracts - a policy with a fixed premium, which justifies the feature of flexibility attributed to Variable Life Insurance.

Separate Accounts (also known as sub-accounts) are various investment funds (e.g. stocks, bonds, equity funds, money market funds and bond funds) within a company's portfolio you can make use of under Variable Life Insurance and Variable Universal life Insurance contracts.

They are contracts issued by a life insurance company that provide a variable rate of return based on the performance of underlying investment options.

Variable Life Insurance contracts normally make provisions for you to be able to switch from one sub-account to another.

It is a contract issued by a life insurance company that provides a variable rate of return based on the performance of underlying investment options.

Variable Universal Life Insurance - A combination of the features of variable life insurance and universal life insurance under the same cVariable Universal Life Insurance - A combination of the features of variable life insurance and universal life insurance under the same Insurance - A combination of the features of variable life insurance and universal life insurance under the same cvariable life insurance and universal life insurance under the same insurance and universal life insurance under the same insurance under the same contract.

Waiver of monthly deduction - An optional life insurance policy rider that waives the monthly Cost of Insurance charges on a universal life or variable universal life policy for the length of a qualified disability as outlined in the policy insurance policy rider that waives the monthly Cost of Insurance charges on a universal life or variable universal life policy for the length of a qualified disability as outlined in the policy Insurance charges on a universal life or variable universal life policy for the length of a qualified disability as outlined in the policy contract.

Variable universal insurance contracts mostly use mutual finds as their growth engine.

This company is operated out of Cedar Rapids, Iowa, and it specializes in life insurance, variable life and annuity contracts, and disability insurance coverage.

With effect from April 1, 2012, Service Tax Rate has been changed to 3.09 % on first year premium and 1.545 % on subsequent year premium for traditional endowment & annuityA contract sold by a life insurance company that provides fixed or variable payments to a recipient, either immediately or at a future date.

In addition, there are three other variable products, called the ISP Choice Variable Life, ISP 10 Express, and the Single Premium Variable Life, all which offer variations of the Variable Universal Life line to accumulate value tied to a market, while remaining inside of a life insurance cvariable products, called the ISP Choice Variable Life, ISP 10 Express, and the Single Premium Variable Life, all which offer variations of the Variable Universal Life line to accumulate value tied to a market, while remaining inside of a life insurance cVariable Life, ISP 10 Express, and the Single Premium Variable Life, all which offer variations of the Variable Universal Life line to accumulate value tied to a market, while remaining inside of a life insurance cVariable Life, all which offer variations of the Variable Universal Life line to accumulate value tied to a market, while remaining inside of a life insurance cVariable Universal Life line to accumulate value tied to a market, while remaining inside of a life insurance contract.

Variable universal life insurance coverage is a hybrid of universal life and variable life coVariable universal life insurance coverage is a hybrid of universal life and variable life covariable life contracts.

Variable Universal Life A variable universal life policy is a type of contract you would purchase through a brokerage firm or insurance company that manages retirement assets as well as insurance, such as Vanguard, John Hancock, or Bankers Retirement SoVariable Universal Life A variable universal life policy is a type of contract you would purchase through a brokerage firm or insurance company that manages retirement assets as well as insurance, such as Vanguard, John Hancock, or Bankers Retirement Sovariable universal life policy is a type of contract you would purchase through a brokerage firm or insurance company that manages retirement assets as well as insurance, such as Vanguard, John Hancock, or Bankers Retirement Solutions.

Variable life insurance contracts are best - suited for individuals with a long - term need for coverage.

Anyone who has a securities license necessary to market variable contracts is supposed to know that securities laws specifically prohibit discussing variable forms of life insurance as an «investment» or anything other than life insurance.

A variable universal life insurance contract may be attractive to those clients willing to bear a little extra risk in their life insurance contract for the opportunity to have a higher cash value, over time, with market rate returns.

Cash value saved in a variable life insurance contract is invested in variable «sub-accounts» within the contract, which are essentially mutual fund offerings.