Life insurance products

Life insurance product approvals to gain pace after Member-Life appointment -

Approvals for the re-filed policies under the new regulations for the life insurance sector would continue in full swing only after the Member-Life at the Insurance Regulatory and Development Authority of India (IRDAI) is appointed. While the regulations have been finalised, the refiling process has not yet begun in full swing. Member-Life, IRDAI is responsible for the life insurance sector, its regulations and product approvals. The appointment process is in the last stage and two senior Life Insurance Corporation of India (LIC) officials are being considered, sources said. The post was vacated in May 2019 after Nilesh Sathe retired. All IRDAI appointments have to be cleared by the...

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Irdai's approval to new regulations for life insurance products, Business Standard News

The Insurance Regulatory and Development Authority of India (Irdai) on Thursday gave the go-ahead for the new regulations for life insurance products. It also gave the first level approval, or R1, to Indiabulls Integrated general insurance business in its board meeting. The insurance regulator had released the draft regulations for linked and non-linked life insurance policies in October 2018. It had earlier formed a committee to review product regulations in the life insurance sector. Based on its recommendations the draft regulations were released, which were approved on Thursday. The new regulations will allow the insurers to charge an extra premium from policyholders who wish to buy...

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Zurich Life Insurance Company Ltd. and Zurich International Life Limited Enter Agreement With U.S. Regarding Insurance Products, OPA, Department of Justice

Justice News Zurich Life Insurance Company Ltd. and Zurich International Life Limited Enter Agreement With U.S. Regarding Insurance Products Zurich Life Insurance Company Ltd (Zurich Life), headquartered in Zurich, Switzerland, and Zurich International Life Limited (Zurich International Life), headquartered in the Isle of Man (collectively Zurich) reached a resolution with the United States Department of Justice yesterday, announced Principal Deputy Assistant Attorney General Richard E. Zuckerman of the Department of Justice’s Tax Division. As part of the agreement, Zurich will pay a penalty of $5,115,000 to the United States. According to the terms of the non-prosecution agreement,...

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Life Insurance Planning Cypress Strategies

The Cypress Strategies Difference Proprietary Pricing: Through our relationship with M Financial, we have access to products that are often less expensive than off-the-shelf products sold through other agents and brokers. Large Case Experience: We are one of the few firms in the country with experience in managing the process of assembling large life insurance portfolios (over $50 million). Funding Philosophy: We assist you and your advisors in choosing the most advantageous policy funding structure for your specific needs and circumstances. Commission Disclosure: We commit to complete compensation transparency. We will open the “black box” of insurance and help you understand...

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Insurance complaints - Australian Financial Complaints Authority (AFCA)

The Australian Financial Complaints Authority (AFCA) can consider a complaint you have about a life insurance or general insurance product. This page outlines the types of complaints AFCA can consider about insurance products. It also tells you what to do next if you want to make a complaint to us. Detailed information about the types of insurance products and issues we may consider, as well as complaints we can't consider, is also available. Small business? Overview Insurance includes the following: domestic insurance, such as home and contents or car insurance travel and ticket insurance sickness and accident insurance medical indemnity insurance life insurance such as income...

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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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