Sentences with phrase «variable life insurance policyholder»

Just some of the investment vehicles that a variable life insurance policyholder can choose from include stocks, bonds, mutual funds, and money market funds.

This became a huge issue for variable life insurance policyholders after the 2008 market crash.

Not exact matches

Whereas whole life insurance provides fixed rates of return on the account value, at rates determined by the insurance company, variable life insurance provides the policyholder with investment discretion over the account value portion of the policy.

In addition, due to the variety of investment options, variable life can provide insurance policyholders with the opportunity to grow the funds that are in the cash portion of their policy.

What is variable life insurance While the primary purpose of life insurance is to provide a death benefit in the event of the policyholder's untimely demise, life insurance can provide an investment component as well.

One type of policy that allows the policyholder the ability to take part in the potential growth of the equity market is variable life insurance.

Variable Universal Life Insurance (VUL) is a permanent type of Life Insurance combining the essential features of Variable Life Insurance and Universal Life Insurance, thus allowing the policyholder to allocate premiums to different investment options, to build up cash value and to determine when and how much you invest in your policy.

Variable Life Insurance is fraught with more risks for the policyholder than any other types of insurance with a buildup of cash value feature because both the cash value and the amount of the death benefit may fluctuate up or down depending on the performance of the investment funds selected by the policyholder to underlie thInsurance is fraught with more risks for the policyholder than any other types of insurance with a buildup of cash value feature because both the cash value and the amount of the death benefit may fluctuate up or down depending on the performance of the investment funds selected by the policyholder to underlie thinsurance with a buildup of cash value feature because both the cash value and the amount of the death benefit may fluctuate up or down depending on the performance of the investment funds selected by the policyholder to underlie the policy.

Since a healthy sum of cash value in a variable life or variable universal life insurance policy is needed to pay the costs of keeping the policy in force, policyholders should choose their sub-account investments with extreme caution.

Variable universal life is similar to universal life insurance plans — except variable allows the policyholder to have greater control of the cash value Variable universal life is similar to universal life insurance plans — except variable allows the policyholder to have greater control of the cash value variable allows the policyholder to have greater control of the cash value account.

Variable life products allow the policyholder to choose an appropriate amount of life insurance that has an additional cost associated with it.

In addition, due to the variety of investment options, variable life can provide insurance policyholders with the opportunity to grow the funds that are in the cash portion of their policy.

Convertible Term Insurance allows the policyholder to change the face value of the term policy in force into a permanent form of Life Insurance, such as Whole Life, Universal Life or Variable Life, without any penalties or evidence of insurability.

Variable Survivorship Life Insurance does not pay any benefit when the first policyholder dies.

With variable life insurance, the policyholder can choose how the premium payments are invested.

Like any variable life policy, variable survivorship life insurance has a cash value component in which a portion of each premium payment is set aside to be invested by the policyholder, who bears all investment risk.

Variable Universal life insurance is similar to regular universal life insurance coverage, except in this case, the policyholder is allowed to invest the cash in their policy into different types of investments such as mutual funds.

A more flexible version of variable survivorship life insurance called «variable universal survivorship life insurance» allows the policyholder to adjust the policy's premiums and death benefit during the policy's life.

However, with variable life insurance, the policyholder can take part in a variety of different investment options such as equities.

Additionally, investment risks within the cash value of a variable life insurance policy fall completely on the policyholder, not the insurance company.

Unlike fixed life insurance products, variable life insurance may require policyholders to add premiums over time to ensure the death benefit remains guaranteed to a certain age.

Indexed universal life insurance differs from variable universal life insurance in that indexed policies follow a stock market index, while variable policies can allow policyholders to allocate funds to a variety of investment vehicles, such as stocks, bonds and equity funds.

As with a regular universal life insurance plan, the policyholder of a variable universal life insurance policy can make adjustments to the premium payments and / or the death benefit as needed in order to meet their ongoing changing needs.

Variable life insurance policies are premium policies that let the policyholder, not the insurance company, decide how the premiums are invested.The premiums hold steady while the death benefit and cash value fluctuate along with the financial markets.

Whereas whole life insurance provides fixed rates of return on the account value, at rates determined by the insurance company, variable life insurance provides the policyholder with investment discretion over the account value portion of the policy.

This particular life insurance policy will also provide policyholders with the potential to build cash value using around 50 separate variable investment offers from top financial firms.

Variable universal life insurance is similar to traditional universal life, except that the policyholder is allowed to invest the cash portion of their policy into different types of investments such as mutual funds.

The death benefit of universal and variable universal life insurance are tied to the success of investments, so the actual death benefit payout may be less than the policyholder planned to leave his or her family if the investments do not yield the anticipated return.

Like any other life insurance, the policyholder of a universal variable policy is expected to get a death benefit.

With a variable life insurance plan, the majority of the amount paid in premiums is invested on the policyholder's behalf.

An insurance company offering variable life insurance to its policyholders will have a full - time investment manager who is responsible for looking after the overall performance of specific investment funds.

A universal variable (also called variable universal life insurance) is a life insurance policy that has a death benefit and a feature that allows the policyholder to make investments on stocks or bonds.

In Unit Linked Policies or Variable Linked Policies, the policyholder can withdraw some amount from the Fund Value of his / her life insurance policy.

Ideally designed for couples, variable survivorship life insurance has a cash value component where the insurer sets aside a portion of each premium payment for the policyholder to invest from various investment options provided by the insurer.

Variable universal life or VUL insurance provides lifetime financial protection to the beneficiary whenever the policyholder dies.

Some types of life insurance policies, including whole life, universal life and variable life, can accumulate cash value during the policyholder's lifetime.

Other types of coverage, such as variable life insurance, give policyholders a degree of control over their investment.

Of all forms of life insurance, variable life demands the most vigilance from policyholders.