Sentences with phrase «variable life insurance contract»

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

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

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

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

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

Not exact matches

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;

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.

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.

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.

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.

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.

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

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.

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.

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 contraLife Insurance and Variable Universal life Insurance contralife 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.

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 contrLife 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 contrlife insurance and universal life insurance under the same insurance and universal life insurance under the same contrlife insurance under the same insurance under the same contract.

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

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.

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 contrLife, 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 contrLife, 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 contrLife line to accumulate value tied to a market, while remaining inside of a life insurance contrlife 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 SolutiLife 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 Solutilife 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.

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.

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.

Variable universal life insurance contracts contain surrender charge provisions.

The simple answer is that in most cases, a traditional whole life insurance policy is a better choice than a variable universal life insurance contract.

If you want to buy a variable universal life insurance contract, make sure that you understand how it works and how to fund it properly so that it provides the most benefit to you and your family.

The life insurance charges within a universal life insurance contract are similar to a variable universal life insurance contract, priced like a permanent form of non level term life insurance.

The cash value is guaranteed to accrue at a certain rate in a whole life insurance policy as long as the illustrated premium payments are made, but not necessarily with a universal life or variable universal life contract.

A variable universal life insurance contract will have a grace period just like any other life insurance policy if insufficient cash value remains to pay for the cost of insurance.

This means that whole life, universal life, and variable universal life insurance contracts all allow loans to be taken out.

Some of these types of life insurance contracts may include whole life, cash value life, term life insurance, variable life insurance and group life insurance.

Specifically, they offer individual and group fixed - rate and variable annuity contracts in addition to term and variable life insurance.

The whole life insurance policy is slightly different than the universal (flexible contract) or the variable (multiple accounts) policy.

And as with life insurance, the riskiest end of the spectrum (in terms of loss potential) is the variable contract, now to be discussed concerning annuities.

All insurance riders offered within variable contracts and policies fall into one of two categories; living benefit riders generally guarantee some sort of defined payout while the insured or annuitant is still alive, while death benefit riders protect against declines in contract values due to market conditions for beneficiaries.

Insurance protection: Most variable contracts today offer an array of living and death benefit riders that promise a guaranteed stream of income or else a minimum account value.

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

Professional Licenses • Admitted to the Illinois State Bar (June 2008) • Admitted to the United States District Court for the Northern District of Illinois (June 2008) • Admitted to the United States District Court for the District of Columbia (March 2009) • General Securities Representative License (Series 7 Exam — April 2009) • Investment Advisor Representative License (Series 66 Exam — July 2009) • Insurance Representative — Life, Health, and Variable Contracts (March 2009)

Professional Licenses • Admitted to the Illinois State Bar, June 2008 • Admitted to the United States District Court for the Northern District of Illinois, June 2008 • Admitted to the United States District Court for the District of Columbia, March 2009 • General Securities Representative — Series 7, April 2009 • Investment Advisor Representative — Series 66, July 2009 • Insurance Representative — Life, Health, and Variable Contracts, March 2009