Life insurance products

The Truth About Endowment Life Insurance Policies

Endowment life insurance is a specialized insurance product that's often dressed up as a college savings plan. These policies couple term life insurance with a savings program. As the policyholder, you choose how much you want to save each month and when you want the policy to mature. Based on your monthly contributions, you're guaranteed a certain payout, called an endowment, when the policy matures. You can then use this endowment for your child's college tuition, fees, books, living expenses and other costs. If you should die before the policy matures, your child will receive the payout as your death benefit and will still have the anticipated money for college. The endowment life...

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Impact of Interest Rates on Life Insurance Products, Wealth Management

By Marko Djuranovic and Eric Naison-Phillips In the aftermath of the financial crisis in 2008, interest rates steadily decreased and hovered around historical lows. Given that the general account investment portfolios of life insurance companies are predominantly invested in fixed income instruments, the resulting downward yield pressure has caused insurers to increase the pricing of guaranteed products or exit the guaranteed life insurance product market completely. For the past decade, clients interested in fully guaranteed life insurance have been encouraged to acquire it before pricing is increased further. Today, with interest rates starting to climb again, the logical question is...

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Life Insurance

Your family depends on you for care, for stability and for financial security. While you can’t guarantee you’ll always be there for your loved ones, life insurance lets you still provide for them even after you’re gone. With life insurance you can leave a legacy of care, stability and financial security for the ones you love the most. In addition, your life insurance policy value growth is tax deferred. We are gratified to regularly hear the stories of people who have been financially cared for by their loved ones via life insurance. It is a lasting legacy and a testament to the enduring power of love. American National offers a wide range of life insurance products to suit a variety of...

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Life Insurance Products - American Fidelity Life Insurance

Frequently Asked Questions For additional information, please see the Frequently Asked Questions page. Insurance Terms: BENEFICIARY - The person or legal entity the owner of an insurance policy names to receive the policy benefit if the event insured against occurs. CASH SURRENDER VALUE - The amount, before adjustments for factors such as policy loans, that the owner of a permanent life insurance policy is entitled to receive if the policy does not remain in force until the insured’s death. TAX-DEFERRED BASIS - Accumulation of investment income on which income taxes are not payable until money is withdrawn from the investment vehicle. DEATH BENEFIT - For a life insurance contract,...

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How to Compare Permanent Life Insurance Policies, Investopedia

Buying permanent life insurance can be confusing. The illustrations are hard to decipher, and every company’s products have different fees, which makes it difficult to compare policies directly. Here's a guide for comparing life insurance policies. Internal Rate of Return When buying permanent life insurance primarily for the death benefit, the goal is to objectively measure and evaluate the return on the dollars allocated to the insurance premium. Fortunately, there is a way to cut through the confusion by using the internal rate of return (IRR) of the death benefit as an evaluation tool. IRR is a common measure used to evaluate investments or projects. It measures the interest rate at...

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Life Insurance Plans - Best Life Insurance Policies in 2018 - ICICI Prudential

ICICI Pru iProtect Smart *The critical illness benefit is an accelerated benefit & the death benefit will be reduced by the critical illness cover paid to the policyholder. To know more about the illnesses covered, please refer to the sales brochure. **Available only under Life Plus and All in One option. Maximum amount that can be availed is Rs. 2 Crore and will be paid as a lump sum. ^Tax benefit of ` 54,600 ( ` 46,800 u/s 80C & ` 7,800 u/s 80D) is calculated at highest tax slab rate of 31.2% (including Cess excluding surcharge) on life insurance premium u/s 80C of ` 1,50,000 and health premium u/s 80D of ` 25,000. Tax benefits under the policy are subject to conditions under...

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Life Insurance Policies, American Family Insurance

Why Do You Need Life Insurance? No matter what stage you’re at in life, life insurance may benefit you. Whether you’re young and single with no dependents or an empty nester reaching retirement age, life insurance is an essential element of financially protecting the future of those you love. Ultimately, it helps ease the financial burden on your family if you were to pass away. Not sure if you need life insurance? Here are some of the reasons the answer may be yes. Because people count on you. You may not know what the future will bring, but if you were to pass away, help make sure your loved ones are financially protected. For living expenses and to pay off debts. In the event of death,...

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Types of Life Insurance - HDFC Life

There are certain basic forms of life insurance. The different types of life insurance policies include: What are the various types of life insurance? There are two basic types of life insurance policies viz. Traditional Whole Life and Term Life Insurance. A whole life is a policy you pay till death of the policy holder and term life is a policy for a fixed amount of time. The basic types of life insurance policies are: Term insurance Term plans are the most basic type of life insurance. They provide life cover with no savings / profits component. They are the most affordable form of life insurance as premiums are cheaper compared to other life insurance plans. Online term insurance...

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AXA Life Insurance products

Life insurance: a multi-purpose financial tool Life insurance is designed primarily to protect your family’s financial security after you die. But your needs change and some types of insurance can offer you access to assets to meet needs during your lifetime. So it’s a smart addition to any financial plan — because it can serve different functions within your overall investment strategy. Security for your family should something happen to you Pay debts and taxes after your death Allow your family to maintain its standard of living Support your dependents’ goals and dreams Provide immediate access to cash Should your need for a death benefit decrease, certain types of...

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Life Insurance Products, HSBC HK

HSBC Cancer Term Protector - Guaranteed premiums unchanged for first 10 years Enter promo code FREE2M to apply online and enjoy 2 months premium waiver. Terms and conditions apply. Underwritten by HSBC Life (International) Limited HSBC Term Protector Easy and cost effective term life insurance. Get your instant quote...

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