Variable life insurance quote

Variable Universal Life Income II

Variable Universal Life Income II Principal Variable Universal Life Income II (VUL Income II) provides life insurance benefits and a variety of investment choices for meeting personal protection and accumulation goals. With its focus on income out of the policy, it is also a good option to help fund nonqualified plans such as executive bonus, key person and split dollar. Our next generation product, VUL Income III, is available for use in approved states - except Maryland. We work with many fund companies to provide an array of underlying investment options managed by well-known money managers across major style categories. Offering multiple, quality investment choices helps your clients...

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Article: Variable Life Insurance : Variable Life Insurance

What is variable life insurance? The insurance industry has introduced different types of insurance to meet consumer needs. For example, universal life insurance was created to provide a solution for many of the perceived shortcomings of whole life insurance and term life insurance. (See “What Is Universal Life Insurance?”) When consumers demanded even more changes from the life insurance industry, it responded with variable life insurance and the concept of investment control. Whereas whole life insurance provides fixed rates of return on the account value, at rates determined by the insurance company, variable life insurance provides the policyholder with investment discretion...

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Sinclair and Andrews Insurance, Inc., Syracuse, NY, Life Glossary

Term Life Insurance Glossary Accidental Death Benefit: An extra death benefit amount that is paid out in addition to the face amount of the policy if the insured dies by accidental means. It cost extra to get this benefit, and usually cannot exceed $250,000 to $300,000, and cannot exceed more than the face amount of the policy. Accelerated Death Benefit Option: Also known as "living benefits." This rider allows you, under certain circumstances, to receive the proceeds of your life insurance policy before you die. Such circumstances include terminal or catastrophic illness, the need for long-term care or confinement to a nursing home. Availability and specifics of these riders vary by...

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Life Insurance for MD, VA, PA Residents

Life insurance comes in many forms and can be used for many other purposes besides just paying for your final expenses. The older you are, the more expensive life insurance becomes and the less options you have. Here at the William M. Sparks Insurance Agency in Timonium, Maryland (Baltimore County), we help people like yourself fashion just the right policy to secure their future. Why Purchase Life Insurance? Life insurance is a popular financial planning tool. Since the benefits of a life insurance policy are typically paid upon your death, many people regard it as just a way to pay for your funeral and burial. However, it can also be useful to: Pay federal or state estate taxes to remove...

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ALAMEDA Insurance Group: Tucson's Hometown Agent.

What are the principal types of life insurance? There are two major types of life insurance—term and whole life. Whole life is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life. In 2003, about 6.4 million individual life insurance policies bought were term and about 7.1 million were whole life. Life insurance products for groups are different from life insurance sold to individuals. The information below focuses on life insurance sold to individuals. Please see your Alameda Insurance Group Agent for more information and a money-saving quote. It provides...

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variable universal life insurance rates

variable universal life insurance rates Life Insurance Customer Service & Forms Variable Universal Life Insurance Explore life Products may not be available in all states, and features, including rates, may vary by state. Acquiring the most effective Available Life Insurance Quotes Feasible Utilizing These Leading Methods Life insurance is one of those points that you would rather not consider yet are Next Up Universal Life Insurance Cash Value Life Insurance Adjustable Life Insurance Variable Universal Life Insurance BREAKING DOWN 'Variable Life Insurance' Because of investment adequate life insurance. The most common types available – Whole, Term, Universal and Variable – are a start...

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Variable Universal Life Insurance

Variable Universal Life Insurance Variable universal life insurance is a specific type of universal insurance policy that combines certain features of variable life and universal life all into one policy. A variable life insurance policy offers flexible premiums, an adjustable death benefit and a selection of investment accounts. Variable universal life insurance policies permit the policyholder to invest the cash value account into stocks, bonds or other assets. The cash value of the variable universal insurance policy may then grow at a higher rate than it would with a standard universal life insurance policy. However, these kinds of investments may also suffer losses. Some variable...

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Variable Life Insurance 101 - Compare A Quote Blog

Variable Life Insurance 101 Also known as variable appreciable life insurance, variable life insurance will not only provide you with lifelong coverage but a cash value account as well. With variable life insurance policies you are guaranteed that you have higher upside potential relative to other permanent life insurance policies. You need to be aware though that a variable life insurance cover will be more expensive to maintain compared to other cash value life policies. The Definition of Variable Life Insurance It is a type of permanent life insurance cover that guarantees coverage for as long as you keep paying the premiums. It has the following three aspects to it: Every time you make...

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Variable Life Insurance Quote Information at Spectrum Direct

How Spectrum Direct Provides a Variable Life Insurance Quote for their Customers Variable universal life insurance is a permanent insurance product offered as an option for those who want whole life protection that builds cash value, but also want the ability to invest those earnings. With variable life, the policy holder chooses the investment funds from those in the insurer's portfolio. Another form of variable life is variable universal life insurance, which has additional features. Variable life insurance quotes are available through Spectrum Direct, an independent insurance service provider with years of experience in the industry. The growth potential inherent within variable life...

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Should you buy universal life insurance?

Should you buy universal life insurance? By | Last updated: June 22, 2016 A 2009 study by the Life Insurance and Market Research Association (LIMRA) shows the following results for product market share: Universal life, 41 percent. Variable universal life, 9 percent. Universal life policies continue to be popular because many offer a guaranteed death benefit coupled with an investment feature, says LIMRA spokeswoman Catherine Theroux, the latter feature which has helped to drive product sales in the past few years. Traditionally, the majority of universal life products were purchased by consumers older than 65 who paid higher face amounts for coverage, but that trend began to shift in 2008,...

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