Sentences with phrase «whole life and annuities»

Once the need for quick commission bucks stops, because they've graduated out of that failing business model, the need to hard - sell American Funds immediately and permanently goes away too (ditto with having to hard - sell life insurance company products like whole life and annuities).

National Western Life caters more to wealthy individuals as many of their product offerings are interest sensitive such as universal life, whole life and annuity contracts.

Not exact matches

And if your goal is longer term savings, the slower cash accumulation in whole - life policies make annuities the savvier choice of the two.

In particular, he cites the near disastrous episode Manulife suffered with a variable annuity called Guaranteed Living Withdrawal Benefits, or GLWBs, and which he says almost brought the company and the possibly the whole industry to the point of insolvency.

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

«Extremely strong» competitive position stemming from national presence, top market position, complementary products (including whole life and term insurance, disability income insurance, annuities, mutual funds and long - term care insurance), and dedicated financial representatives.

Whole life insurance, reverse mortgages, annuities, etc. all have the disadvantage of low transparency and high fees.

To fully understand annuities, the first important aspect to note is that, just like other insurance products, regardless whether we're talking about convertible term life insurance, whole life insurance, universal life insurance, etc., annuities are a contract between the policy owner and the insurance company.

Whereas traditional vehicles, such as whole life insurance and fixed annuities, provide returns that are determined by the insurance company, newer alternatives enable clients to make choices that help determine returns.

Talk to us today and you'll find we offer powerful customization options within all our products: Term Life, Whole Life, Universal Life, Variable Universal Life, Survivorship Life, Single Premium Variable Life and Retirement Annuities

Even if you sell enough, you're still at risk for not selling enough of your BD's pet investment products, that make only them the most money (e.g., American Funds, whole life insurance, fixed, and variable annuities).

Here's the shortest bottom line on all forms of annuities and all forms of whole life insurance: If you work in the life insurance business, either as an agent or an employee of a life company, or hold life insurance company stock; then annuities and whole life insurance are the greatest invention since the wheel (because they pay by far the most in immediate commissions of any financial product available today, making them by far the most profitable part of the life insurance company business model).

They function like hybrid annuity accounts except they are built off of whole and universal life insurance platforms which can offer additional tax advantages.

Personally, I think that whole life insurance and annuities are derided too heavily.

Why all of the usual «tax wrappers» (IRAs, Roth IRAs, 529 plans, and all forms of annuities and all forms of whole life insurance) have around half of the value they did back in the «good «ol days,» is explained in the directions.

If you work in the life insurance business, either as an agent or an employee of a life company, or hold life insurance company stock; then annuities and whole life insurance are the greatest inventions since the wheel.

If you work in the life insurance business, either as an agent or an employee of a life company, or hold life insurance company stock; then annuities and whole life insurance are the greatest invention since the wheel.

The biggest fallacy the IC reveals, is the «tax advantages» of all life insurance company products (whole life insurance, AKA VUL, and then fixed annuities, and variable annuities).

So annuities and whole life are the only financial products today that pay a decent commission to agents.

So annuities and whole life are the only products today that pay a decent commission.

So if you're a consumer / investor and your «financial planner» has any of these letters after their name, then you can count on hearing all about how you need to load up on way too much whole life insurance (AKA Variable Universal Life), and / or fixed or variable annuitlife insurance (AKA Variable Universal Life), and / or fixed or variable annuitLife), and / or fixed or variable annuities.

With this investment strategy analyzer, you won't have to believe everything you read; nor take anyone's word about things like: ETFs are the most efficient and inexpensive way to invest, there's no sales charges on mutual fund B - shares if you don't sell them, Roth IRAs are better than traditional IRA / 401 (k) s, or the tax benefits of 529 plans, whole life (VUL), or any kind of annuity will make up for the huge costs; lack of liquidity / choices / control, etc..

2) For fixed annuities (and whole life insurance), after deducting the massive initial commissions, fees, and expenses, the interest rates are unbelievably low.

They're going to try to sell you life insurance company products - like whole life insurance and annuities.

But for the career peddler, the only options left that «paid anything,» were annuities and whole life insurance.

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.

Our service is always personalized to your unique situation in order to help you understand your options (term life, whole life, universal life, guaranteed issue life, annuities, etc) Your budget, cost of premiums, and any conditions or details associated with each policy are all factored in.

Sagicor's fixed indexed single premium whole life insurance policy can allow the policyholder to reposition certain low - interest producing assets such as CD's (certificates of deposit), or money markets — and possibly even a fixed annuity — and obtain the opportunity to earn a higher return on the cash value in the policy.

In addition to its whole life insurance policies, the company offers many other life insurance products, mutual funds, income annuities, variable annuities, long term care insurance and other financial products under its Investment Management (NYLIM) division.

Instead of converting just the cash value that has accumulated, you may be able to get enough to purchase a small burial or whole life policy that will handle final expenses and put the rest into an annuity to build your legacy.

Although Phoenix Life Insurance Company offers a variety of financial services and insurance products such as estate planning strategies, annuities, and income strategies, their primary focus is centered on permanent universal, variable, and whole life insuraLife Insurance Company offers a variety of financial services and insurance products such as estate planning strategies, annuities, and income strategies, their primary focus is centered on permanent universal, variable, and whole life insuralife insurance.

Genworth offers many of the traditional life insurance company offerings like term life, whole life, universal life, survivorship life insurance, and single premium immediate annuities.

They function like hybrid annuity accounts except they are built off of whole and universal life insurance platforms which can offer additional tax advantages.

Among its products are Term Life Insurance, which offers higher coverage for lower premiums, the Universal Life Insurance, which allows adjustable payments and makes funds accessible, the Whole Life Insurance, which offers long term coverage, and Annuities, which are tax - deferred and flexible.

Insurance agents who hold a life insurance license may sell various types of life insurance (whole, term, burial, credit, etc.), fixed annuities, endowments and more.

Talk to us today and you'll find we offer powerful customization options within all our products: Term Life, Whole Life, Universal Life, Variable Universal Life, Survivorship Life, Single Premium Variable Life and Retirement Annuities

Today, it offers a wide range of life insurance products, from a fully flexible universal life product to traditional term and whole life plans and annuities.

With whole life insurance as its foundation, MassMutual provides products to help meet the financial needs of clients, such as life insurance, disability income insurance, long term care insurance, retirement / 401 (k) plan services, and annuities.

For those looking to move away from term life policies, permanent life insurance — such as whole, universal and variable life — or annuities can be an attractive alternative.

While the cash value of whole life policies and earnings of annuities grow on a tax - deferred basis there is an important difference at the time of death.

Finally, for more advanced planning, the Generation Legacy tool is a multi-layered bundle where seniors can purchase a combination annuity and whole life contract.

Other ways include; total written premium, market capitalization, term sales, universal life sales, whole life sales and annuity sales.

The company offers term life vs whole life insurance, universal life insurance, annuities, and on and on.

The company deals in whole and term life plans, universal life, annuities and other coverage that are geared toward seniors.

Variety of Products — Royal Neighbors Life Insurance offers an impressive selection of products that include: term life, whole life, universal life, annuities and popular final expense policies that offer an immediate underwriting decision at the point of sLife Insurance offers an impressive selection of products that include: term life, whole life, universal life, annuities and popular final expense policies that offer an immediate underwriting decision at the point of slife, whole life, universal life, annuities and popular final expense policies that offer an immediate underwriting decision at the point of slife, universal life, annuities and popular final expense policies that offer an immediate underwriting decision at the point of slife, annuities and popular final expense policies that offer an immediate underwriting decision at the point of sale.

Unlike with Whole Life, where a portion of your monthly premium is placed in a single tax - deferred annuity account with a fixed interest rate at the time of the purchase of the policy, the savings portion of your premium in a UL policy is placed in a variety of bonds, mortgages and money market funds by the insurance company.

For those looking to move away from term life policies, permanent life insurance - such as whole, universal and variable life - or annuities can be an attractive alternative.

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To fully understand annuities, the first important aspect to note is that, just like other insurance products, regardless whether we're talking about convertible term life insurance, whole life insurance, universal life insurance, etc., annuities are a contract between the policy owner and the insurance company.

Sagicor now operates internationally and offers life insurance products, including annuities, term and whole life insurance.