Sentences with phrase «with less death benefit»

If this happens, you may end up with less death benefit and cash value than if you had purchased an ordinary whole life insurance policy.

Convert the policy to one with a lesser death benefit, or in the case of a term policy convert to some kind of permanent insurance.

Not exact matches

And life insurance policies with limited underwriting, such as simplified issue or guaranteed acceptance policies, regularly restrict death benefits to be less than $ 100,000 to $ 250,000.

It gives you access to a portion of your policy's death benefit, if you are diagnosed with a terminal illness resulting in 12 - 24 months or less to live.

Banner Life's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or less.

It gives you access to a portion of your policy's death benefit, if you are diagnosed with a terminal illness resulting in 12 months or less to live.

The percentage of the death benefit you can receive is generally less than 50 %, what qualifies as a terminal illness varies depending on your policy, and the payout you receive may be deducted with interest from the face value of your policy.

The expectation is that if labour doesn't progress at a certain rate that there are risks (infection, maternal exhaustion, fetal death) associated with further waiting; that the longer labour stalls the less likely it is to start progressing normally (if the baby is too stuck to move after two hours of labour, it's probably too stuck to move after two days of labour) and there are no benefits to a long labour.

Drivers less than 21 years old who engaged in drinking while driving would also benefit substantially, with 194,886 deaths and injuries potentially prevented.

An accelerated death benefit allows a policyholder to receive an advance of the face amount if diagnosed with a terminal illness and given less than twelve months to live.

The target purchaser is an individual who wants some form of permanent coverage, with a higher death benefit, and lesser concern about cash accumulation.

And life insurance policies with limited underwriting, such as simplified issue or guaranteed acceptance policies, regularly restrict death benefits to be less than $ 100,000 to $ 250,000.

This rider allows you to receive a portion of your policy's death benefit while you're still alive if you've been diagnosed with a terminal illness (meaning less than 12 months to live).

Accelerated Death Benefit Rider: the ADB rider allows you to access a portion of the death benefit if you are diagnosed as terminally ill with less than 12 months to Death Benefit Rider: the ADB rider allows you to access a portion of the death benefit if you are diagnosed as terminally ill with less than 12 months tBenefit Rider: the ADB rider allows you to access a portion of the death benefit if you are diagnosed as terminally ill with less than 12 months to death benefit if you are diagnosed as terminally ill with less than 12 months tbenefit if you are diagnosed as terminally ill with less than 12 months to live.

Living Needs Benefit (Accelerated Death Benefit) Rider: at no additional cost, this living benefit pays out a portion of the death benefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months oBenefit (Accelerated Death Benefit) Rider: at no additional cost, this living benefit pays out a portion of the death benefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months or Death Benefit) Rider: at no additional cost, this living benefit pays out a portion of the death benefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months oBenefit) Rider: at no additional cost, this living benefit pays out a portion of the death benefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months obenefit pays out a portion of the death benefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months or death benefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months obenefit if the insured is diagnosed as terminally ill with a life expectancy of 12 months or less.

The accelerated death benefit rider comes in handy if you are diagnosed with a terminal illness and, depending on the policy, have less than one to two years to live.

The percentage of the death benefit you can receive is generally less than 50 %, what qualifies as a terminal illness varies depending on your policy, and the payout you receive may be deducted with interest from the face value of your policy.

It gives you access to a portion (or full amount) of your policy's death benefit, if you are diagnosed with a terminal illness resulting in six months or less to live.

The Legalese «The Acceleration of Death Benefit Rider provides payment of all, or a portion of the death benefit, of the amount that would normally be paid to the beneficiaries upon the death of the insured, while the insured is alive if they are determined to be terminally ill with 12 months (24 months in some states) or less to live.&rDeath Benefit Rider provides payment of all, or a portion of the death benefit, of the amount that would normally be paid to the beneficiaries upon the death of the insured, while the insured is alive if they are determined to be terminally ill with 12 months (24 months in some states) or less to live.Benefit Rider provides payment of all, or a portion of the death benefit, of the amount that would normally be paid to the beneficiaries upon the death of the insured, while the insured is alive if they are determined to be terminally ill with 12 months (24 months in some states) or less to live.&rdeath benefit, of the amount that would normally be paid to the beneficiaries upon the death of the insured, while the insured is alive if they are determined to be terminally ill with 12 months (24 months in some states) or less to live.benefit, of the amount that would normally be paid to the beneficiaries upon the death of the insured, while the insured is alive if they are determined to be terminally ill with 12 months (24 months in some states) or less to live.&rdeath of the insured, while the insured is alive if they are determined to be terminally ill with 12 months (24 months in some states) or less to live.»

Policies with less than $ 1 million death benefit, if you're between the ages of 20 - 40 (for 15, 20, 25, and 30 - year term policies)

Few SPI plans also have a special feature that allows you to withdraw part of your death benefit given your life expectancy is now of 12 months or less or you are being diagnosed with any terminal illness.

It gives you access to a portion of your policy's death benefit, if you are diagnosed with a terminal illness resulting in 12 - 24 months or less to live.

Accelerated Death Benefit for Terminal Illness: can access a portion of the death benefit for a qualifying terminal illness, if diagnosed with a life expectancy of 12 months or Death Benefit for Terminal Illness: can access a portion of the death benefit for a qualifying terminal illness, if diagnosed with a life expectancy of 12 months oBenefit for Terminal Illness: can access a portion of the death benefit for a qualifying terminal illness, if diagnosed with a life expectancy of 12 months or death benefit for a qualifying terminal illness, if diagnosed with a life expectancy of 12 months obenefit for a qualifying terminal illness, if diagnosed with a life expectancy of 12 months or less.

Banner Life's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or less.

If you're diagnosed with a terminal illness 50 % of the death benefit is available for acceleration within 24 month life expectancy or less.

However, this type of policy may feature less expensive premiums than two individual policies, allowing the policy owner (s) the potential to buy a policy with a larger death benefit than might otherwise be affordable using separate policies.

For SPIAs with death benefit riders, a benefit would be due to a beneficiary if the cumulative income payments made are less than the initial premium paid.

My point being, is that since they don't give you both, you are really transferring the reponsiblity from them to you over time, your savings (that you lose) becomes part of the death benefit and they supliment it with less and less over the years so that it would equal the death benefit.

With term life, there is death benefit protection only, with no cash value build up — and because of that, term life insurance can frequently cost less than a comparable permanent life insurance policy (all other factors being equWith term life, there is death benefit protection only, with no cash value build up — and because of that, term life insurance can frequently cost less than a comparable permanent life insurance policy (all other factors being equwith no cash value build up — and because of that, term life insurance can frequently cost less than a comparable permanent life insurance policy (all other factors being equal).

These accelerated benefit riders would give a portion of the death benefit to the policy owner prior to the death of the insured, based on the requirement that the insured was terminally ill with less than 12 months to live.

Now it's true that the death benefit on both is only $ 4 million compared to $ 8 million with the two policies, but as you can see the price is significantly less than even insuring one of them for $ 4 million.

Accelerated Death Benefit Rider — If you are diagnosed terminally ill with 12 months or less to live you can use the ADB rider to access your death benefit early to use the cash however you chDeath Benefit Rider — If you are diagnosed terminally ill with 12 months or less to live you can use the ADB rider to access your death benefit early to use the cash however you Benefit Rider — If you are diagnosed terminally ill with 12 months or less to live you can use the ADB rider to access your death benefit early to use the cash however you chdeath benefit early to use the cash however you benefit early to use the cash however you choose.

If you qualify for your cash indemnity benefit from your chronic illness rider, you can access the lesser of 2 % of your death benefit monthly or 24 % annually or up to the IRS per diem limit, currently $ 360 daily ($ 131,400 annually) for 2017, with maximum lifetime benefit of $ 2,000,000.

If you become diagnosed with a terminal illness, you can access up to 60 % of the policy's death benefit or $ 1 million (whichever is less), when death is expected within six months.

Guaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insurance types.

Then when you pass away, your heirs would receive nada bupkiss el zilcho (unless you paid the insurance premium to provide a death benefit, then you'd get about 15 % less paycheck than with American Funds).

It gives you access to a portion of your policy's death benefit if you are diagnosed with a terminal illness resulting in 24 months or less to live.

If you've been diagnosed with a terminal illness with less than 6 months to live, you can access a portion of the policy death benefit.

It gives you access to a portion of your policy's death benefit, if you are diagnosed with a terminal illness resulting in six months or less to live.

As a result, investors are likely to discount the cash value more aggressively (i.e., to make a relatively less generous offer if it must include buying out existing cash value on top of the policy death benefit) than a policy with little or no cash value.

The anticipated health benefits would be major, with up to 2,400 premature deaths avoided each year and 23,000 less cases of respiratory ailments in kids.

Furthermore, in order to address the possibility that an employee with a shortened life expectancy could accelerate the annuity starting date in order to avoid this rule, this table is available only if, under the contract, no benefits are payable in any case in which the employee selects an annuity starting date that is earlier than the specified annuity starting date under the contract and the employee dies less than 90 days after making that election, even if the employee's death occurs after his or her selected annuity starting date.

The high premiums, combined with a low face amount for the death benefit, make guaranteed issue life insurance a less desirable option for relatively healthy individuals.

Access up to 60 % or $ 1 million (whichever is less) of the policies death benefit if the insured is diagnosed with a terminal illness.

Death Benefit Income Rider Stick with me for a minute, and I'll show you a way to «rig» your life insurance policy so you can pay less money for the same amount of coverage.

If your doctor tells you to have less than 12 months to live you are eligible to receive up to 50 % of your death benefit whether to take care of any hospital bills, enjoy your last moments with your family, or just check off your bucket list.

The Terminal Illness rider gives you the option to accelerate a portion of your death benefit if you are diagnosed as terminally ill with a life expectancy of one year or less.

For example, a 35 - year - old male in good health will likely pay less than $ 170 a month for a 20 - year term life policy with a $ 1.4 million death benefit.

Accelerated Benefit rider: accelerated death benefit rider that pays out from the death benefit while you are still alive if you are diagnosed terminally ill with 12 months or less tBenefit rider: accelerated death benefit rider that pays out from the death benefit while you are still alive if you are diagnosed terminally ill with 12 months or less tbenefit rider that pays out from the death benefit while you are still alive if you are diagnosed terminally ill with 12 months or less tbenefit while you are still alive if you are diagnosed terminally ill with 12 months or less to live.

In addition, with the flexible death benefit, if you start out thinking you need a lot of coverage, but later decide less is more, then you can adjust your policy death benefit down to something more in line with your budget, rather than having to cancel and try and get a new policy.