Sentences with phrase «variable life products»

In addition, many of the variable life products have language to the effect that even when the scheduled premiums are paid, the policy may still lapse if the cash value is not sufficient to keep it in force.

For help with beneficiary changes to Variable life products, contact the Variable Operation Center at 888-702-2307.

Traditional variable life provides a minimum guaranteed death benefit, but many universal variable life products do not, and should investment experience be bad, coverage will terminate if substantially higher premium payments are not made.

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

Since the roar of the stock market in the mid -»90s, when consumers poured money into variable annuities and variable life products, many life insurers have increased the number of sub-accounts available within their variable products.

The following Lincoln Benefit Life variable life products (countrywide, excluding New York) will be impacted by a sub-account change detailed below:

Product prospectuses for 2016 will begin mailing May 2, 2016 to policyholders of LBL variable life products, including:

The variable life products are offered through registered representatives to consumers who are looking to more aggressively grow cash value inside of their life insurance for later access or policy growth.

Investments, annuities and variable life products are provided by unaffiliated third parties and offered by HSBC Securities (USA) Inc. (HSI), In California, HSI conducts insurance business as HSBC Securities Insurance Services.

Along with other members of the GE Financial Assurance family of companies, GE Life & Annuity offers a variety of protection and accumulation solutions and is especially known for its competitive variable annuities and variable life products.

For a prospectus containing this and other information for any variable annuity or variable life product that invests in Putnam Variable Trust funds, contact your financial advisor for a contract prospectus and prospectus for the underlying funds.

However, Ohio National makes our list because along with their exceptional whole life products, they offer a number of universal life and variable life product options.

The following supplements are being added to the LBL variable life product prospectus as indicated below.

Lincoln Benefit Life's 2017 variable life product prospectuses include upcoming fund changes.

A letter and supplement to LBL's variable life product prospectuses and statements of information were mailed to customers on November 2, 2017.

Not exact matches

Because there is no living benefit guarantee, she said she finds the product easier to explain than variable annuities with living benefit guarantees.

But financial products, esp the high - commission fee - loaded stuff the WFG wants to you flog like variable annuities and Transamerica's «Indexed» Universal Life (FFIUL) insurance policy, you usually sell once to a prospect and that's it.

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 Insurance Series.

Globally, growth in the company's life and health business accelerated in 2017 as the company shifted its business mix to more capital - efficient products like buffered variable annuities, said Giulio Terzariol, CFO of Allianz SE.

Customers compared what they were getting from fixed interest products to the income they could get from a variable annuity living benefit, and liked the annuity's advantage, Boros says.

Hegna thinks advisors will start selling more of these products in lieu of variable annuities with living benefit guarantees, «because the guaranteed income that people can get from variable annuities can't compete with what they can get from a deferred income annuity.»

With respect to Life Insurers, it is secondary guarantees of all sorts, especially with variable products.

Permanent life insurance products include: Universal Life, Indexed Universal Life, Whole Life, and Variable Universal Llife insurance products include: Universal Life, Indexed Universal Life, Whole Life, and Variable Universal LLife, Indexed Universal Life, Whole Life, and Variable Universal LLife, Whole Life, and Variable Universal LLife, and Variable Universal LifeLife.

«By the term product allocation, I mean the decision of how much of your retirement income should come from conventional financial instruments such as mutual funds, and how much should be generated by pension - like products such as life annuities and variable annuities.»

Please always consider the charges, risk, expenses, and investment objectives carefully before purchasing any financial product, including mutual funds, a variable life insurance policy or variable annuities.

Insurance Products Variable Universal Life: Astute Management Required The inherent volatility of equity sub-accounts makes this a very different type of life insuraLife: Astute Management Required The inherent volatility of equity sub-accounts makes this a very different type of life insuralife insurance.

Select the links below to view a product - specific fact sheet, prospectus, and performance - related resources for our New York Life Variable Annuities.

· @CflGator Variable & Universal life products have secondary gtee issues; there r a variety of long dated term products w / rsv issues $ $ Mar 24, 2012

Third, life insurers have weaknesses in reserving practices for variable products with secondary guarantees.

Among the various types of permanent life insurance, long term care riders are available for both dividend paying participating whole life and universal life insurance products such as indexed universal life and variable life insurance.

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 blife insurance companies decided to add mutual funds to their cash value investment options — and thus the Variable Universal Life policy was bLife policy was born.

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

Morningstar RatingTM The Morningstar RatingTM for funds, or «star rating», is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange - traded funds, closed - end funds, and separate accounts) with at least a three - year history.

Permanent life insurance products include universal life insurance, variable life insurance, and whole life insurance.

The Morningstar Rating ™ for funds, or «star rating,» is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange traded funds, closed - end funds, and separate accounts) with at least a three - year history.

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.

There are also some variable universal life insurance products available through Lincoln Financial Group.

Visit our variable annuity performance center to review the performance of subaccounts offered by Annuity Investors Life Insurance Company's variable annuity products.

If you're considering variable life insurance, it's important to consider how this policy stacks up to similar financial products.

For more specific information on one of our Variable Universal Life products, select the link below to view the product and fund prospectuses, fact sheets, brochures and performance summaries:

Largely, it has, but many life companies rely too heavily on variable products for profitability, and as the market has fallen, profits from variable products have fallen harder.

Our life insurance products include whole, universal, variable and term life insurance as well as auto insurance, long term care insurance and annuities.

Securities (including mutual funds and variable life insurance), annuities and insurance products are not bank deposits and are not insured by the FDIC or any other agency of the United States, nor are they obligations of, nor insured or guaranteed by, Chemical Bank, or its affiliates.

Although individual life insurance products can run the gamut, most life insurance policies are offered in one of four ways — either as term life, whole life, universal life, or variable life.

This insurer offers a wide variety of insurance products to choose from, including term, whole, universal, index universal, and variable universal life insurance.

Variable Universal Life products are issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), and distributed by NYLIFE Distributors LLC, Member FINRA / SIPC.

New York Life Legacy Creator (SPVUL) is a flexible, single premium variable universal life insurance product that offers death benefit protection and the potential for tax» deferred cash value accumulation through policy investment optiLife Legacy Creator (SPVUL) is a flexible, single premium variable universal life insurance product that offers death benefit protection and the potential for tax» deferred cash value accumulation through policy investment optilife insurance product that offers death benefit protection and the potential for tax» deferred cash value accumulation through policy investment options.

The Individual Life segment manufactures and distributes individual variable life, term life and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent markLife segment manufactures and distributes individual variable life, term life and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent marklife, term life and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent marklife and universal life insurance products primarily to the U.S. mass middle, mass affluent and affluent marklife insurance products primarily to the U.S. mass middle, mass affluent and affluent markets.

They also sold EIAs, Variable Annuities and Life products, and had a group life, specialty heath, and pension business as wLife products, and had a group life, specialty heath, and pension business as wlife, specialty heath, and pension business as well.

Click here to download the May 1, 2017 product prospectus and underlying fund prospectuses for the New York Life Variable Universal Life Accumulator Plus products.