Sentences with phrase «with lapse»

As Carol Brady, project director of the Florida MIECHV initiative, explained to the Brookings Institution, «Our greatest fear with the lapse in MIECHV reauthorization is staff attrition... Once staff starts leaving, there will be a ripple effect — participants will drop out and administrators will get nervous about filling positions and enrolling new families.»

The next best thing was to have some application like Internet Explorer in the startup folder, so that IE would open automaticallyand you would land on the desktop with a lapse of few seconds.

Today, while whole life is still an option, there is now universal life, universal life with no lapse guarantees, variable whole life and universal life.

Don't buy something you don't need, but if you need a new term insurance policy to add to your existing portfolio or replace one with a term too short for your needs, or a low priced universal life with a no lapse guarantee to replace an overpriced traditional UL or whole life, it's fire sale time.

I've made no bones about the fact that I'm not a fan of whole life insurance and that I believe that if you get down to the core of why agents choose to concentrate on whole life versus versus term insurance or even universal life with a no lapse guarantee, it's commission.

Ask an independent agent about universal life with a no lapse guarantee.

Waiting too long can be seen in the situation we're currently going through with no lapse guarantee life insurance.

You might remember from previous posts since the pot started boiling earlier this year that several companies have either raised rates or done away with their no lapse guarantee universal life products for the same reason.

Any dispute arising in respect of payments directly or indirectly connected with lapse of policy due to payment beyond grace period shall not be entertained and Exide Life shall not accept any liability for the lapsation of the policy or any other loss of any nature whatsoever on payments made beyond the grace period.

Tell them you want them to provide illustrations of the whole life policy along with illustrations of a universal life policy with a no lapse guarantee.

The fact that a UL with a no lapse guarantee is the best product, whether an individual or second to die insurance, is without question.

The case was with Protective Life who, for a while, was simply blowing everyone away with their no lapse guarantee universal life products.

If you are reasonably healthy there isn't any reason that you can't have substantially more life insurance using a universal life policy with a no lapse guarantee, for less money.

Protective Life announced today that they are discontinuing term conversion to their killer good UL with a no lapse guarantee.

I like UL with lapse protection too and I often recommend a combination of UL and term, sometimes layering in several term policies so as to decrease the death benefit over time.

Today there are permanent policies with no lapse guarantees that can offer protection that can not be outlived without the extra burden and expense of accumulating cash value.

So the real question is should you have term insurance or universal life insurance with a no lapse guarantee.

If you have a need for permanent life insurance, but universal life with a no lapse guarantee and know that what you have isn't going to come back and bite you in the butt.

Those would be term insurance policies and universal life policies with a no lapse guarantee.

One of the greatest opportunities in permanent insurance remained the universal life insurance with a no lapse guarantee.

Life insurance companies came out with a no lapse guarantee universal life policy several years ago.

If you don't have that money socked away for final expenses I highly recommend a universal life policy with a no lapse guarantee.

Protective Life did away with their no lapse guarantee UL for conversion and went to a UL with a -LSB-...]

I also noticed you mentioned a UL with a no lapse rider.

Posted in cash value, conversion, financial adviser, insurance, life insurance, mortality, term insurance, universal life, whole life Tagged guarantee death benefit to 121, guaranteed level death benefit, guaranteed level premium, insurance, life insurance, permanent life insurance, poor performance of underlying investments, term insurance, term life insurance, term to age 100, universal life, universal life with a no lapse guarantee, whole life insurance 1 Response

Not only this, with the lapse of a policy, you will also have to lose your accumulated NCB benefit.

Posted in insurance, life insurance, universal life, whole life Tagged cash value, earnings decline, full disclosure, Guy Baker, insurance, insurancenewsnet magazine, life insurance, MDRT, Million Dollar Round Table, mortality cost, poor performance, term insurance, The Money Box, universal life with a no lapse guarantee, whole life insurance 2 Responses

Traditional Universal life insurance does not have these guarantees but there are now Universal life policies with lapse protection that guarantees the insurance policy will never lapse provided you pay your premiums when due.

And with this lapse in coverage, your next auto policy will cost a lot more.

Transfer: Switch your car insurance from certain standard carriers to Farmers with no lapse in coverage to get a rate discount.

This can be avoided with a no lapse guarantee policy, but it is a good idea to make premium payments regardless of your policy.

Given the position of universal life with a no lapse guarantee as the best priced fully guaranteed permanent product available as of today, a move toward replacing whole life or traditional universal life with this extremely valuable product is worth a look.

We have also have carriers that are super fair to seniors and companies who offer Universal Life with a no lapse guarantee (Guaranteed Universal Life) to various ages from 90 — 121.

Fixed Premium UL is paid for by periodic premium payments associated with a no lapse guarantee in the policy.

It's incumbent on drivers and households to get a new policy before they cancel their old one, or they may find themselves uninsured with a lapse in auto insurance.

While a universal life with no lapse rider can build up some cash value, it really isn't designed to build up significant cash value the same way a whole life policy is designed.

With a no lapse rider, the insurer contractually guarantees that the coverage will stay in force for a defined number of years.

What is a Universal Life Insurance with a no lapse guarantee?

(We account for changes in Cp with lapse - rate feedback.)

For reasons we will discuss later, the best way to measure the water vapor feedback is to combine it with lapse rate feedback.

So, the fact that the greenhouse gases raise the effective radiating level from 0 to 5 km, together with the lapse rate in the troposphere, is what gives the greenhouse effect.

Thus, a fluid with a lapse rate exceeding the dry adiabatic rate overturns very easily (Doswell, C.A.III, et al., 1991: Basic Convection I — A Review of Atmospheric Thermodynamics, NOAA - NWS, Norman, OK).

There has been AGW from increased aerosols (Sagan got that wrong too, along with lapse rate physics).

As there's less vapor in the column with lapse rate the pressure is reduced at the bottom.

OK: picture an atmosphere with a lapse rate, a warmer bottom and cooler top.

As for the gas being at maximum entropy with a lapse rate, pay close attention, as I've done this three times or so already.

I've clearly shown that a stable equilibrium with a lapse rate violates the second law.

Convince me by addressing figure 2 that there can exist a consistent stable equilibrium with a lapse rate that doesn't violate the second law.

Take the thought experiment = a very long cylinder with a gas and a silver wire (assumed to be a perfect conductor) running from low in the cylinder to the top of the cylinder and claimed to cause a problem with the lapse rate explanations.

The lesson I have learned this month is that any scientific paper or theory that divides solar insolation by four and then works with a lapse rate should be marked as untrustworthy.