Having a Term insurance plan is an important component of your investment strategy. This visual and easy-to-comprehend prezzo helps you understand Term Insurance in an easy jargon-free way.
Part 1 in a series of educational slidecasts from author and speaker Tony Steuer. Part 1 focuses on term life insurance -- what it is, how it works, and the different types of policies. It's your money, so monitor it, understand it, and know what your are getting for it.
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
Annuity Basics is part of our continuing series of presentations for Financial Services Industry Training. We develop custom training specific to the financial services industry. Contact us for a quote or discussion of your needs.
Annuities are hard to understand for most retirees, this easy to read booklet explains the new types of annuities and the amazing features they have. Whether you’re looking to purchase an annuity or want information on your current annuities, this booklet provides all the answers you may be looking for.
Annuities: Stabilize and Boost Retirement Income, Bobby M Collins #AnnuityEdu...Bobby M. Collins
What are annuities? Simply put, you agree to pay an insurance company–either in installments or with one lump sum–and in return, they pay you in the future.
Retirement, particularly in North Texas and the Dallas/Fort Worth Metroplex, requires careful consideration.
One option is annuities.
By Bobby M. Collins
Patch: https://patch.com/users/bobby-m-collins
Presentations: https://www.slideshare.net/BobbyMCollins/presentations
Medium: https://medium.com/@bobbymcollins
Collins Site: https://collinsandcate.com/
Pinterest: https://www.pinterest.com/bobbymcollins/
YouTube: https://www.youtube.com/channel/UCKIKRPVgRQJ_T-aWZFFvOmA
Quora: https://www.quora.com/profile/Bobby-M-Collins
Part 1 in a series of educational slidecasts from author and speaker Tony Steuer. Part 1 focuses on term life insurance -- what it is, how it works, and the different types of policies. It's your money, so monitor it, understand it, and know what your are getting for it.
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
Annuity Basics is part of our continuing series of presentations for Financial Services Industry Training. We develop custom training specific to the financial services industry. Contact us for a quote or discussion of your needs.
Annuities are hard to understand for most retirees, this easy to read booklet explains the new types of annuities and the amazing features they have. Whether you’re looking to purchase an annuity or want information on your current annuities, this booklet provides all the answers you may be looking for.
Annuities: Stabilize and Boost Retirement Income, Bobby M Collins #AnnuityEdu...Bobby M. Collins
What are annuities? Simply put, you agree to pay an insurance company–either in installments or with one lump sum–and in return, they pay you in the future.
Retirement, particularly in North Texas and the Dallas/Fort Worth Metroplex, requires careful consideration.
One option is annuities.
By Bobby M. Collins
Patch: https://patch.com/users/bobby-m-collins
Presentations: https://www.slideshare.net/BobbyMCollins/presentations
Medium: https://medium.com/@bobbymcollins
Collins Site: https://collinsandcate.com/
Pinterest: https://www.pinterest.com/bobbymcollins/
YouTube: https://www.youtube.com/channel/UCKIKRPVgRQJ_T-aWZFFvOmA
Quora: https://www.quora.com/profile/Bobby-M-Collins
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
Spencer Lodge Fund Advisers Dubai Life Insurance. Spencer Lodge MD of Fund Advisers Dubai Universal life insurance offers you the freedom to increase or decrease your policy’s death benefit to fit your individual needs. Policies have minimum and maximum premium amounts that you must meet to maintain your coverage, but the timing of payments can be flexible. Access to cash values Universal life insurance policies have a cash value that has the potential to increase over time. If financial needs arise, you can tap into your policy by taking tax-advantaged policy loans and making partial withdrawals without income taxes.
Life Insurance is a form of risk management primarily used to transfer the risk of uncertain loss.
It provides compensation for financial loss only not profit.
Life insurance is a protection against the RISK of financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration of premium payments made by the insured.
Successfully Reducing Insurance Costs
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Have you looked at your insurance costs lately? Chances are, your costs have gone up even if your coverage has remained the same. Insurance inflation is a hidden danger because you do not always pay those bills every month or pay them directly. In addition, when they do rise, there seems to be no practical way to control them. Let’s look at some major insurance categories to see where cost-cutting might be possible.
What is an annuity?
An annuity is an insurance-based contract between you, the owner, and the contract issuer.
This is basically how annuities work: You pay after-tax dollars to the issuer, the issuer invests the money for you, and any earnings accumulate tax deferred. At some point, the issuer pays out the principal and earnings to you or to your beneficiaries. Earnings are taxed as ordinary income when they’re distributed.
Survivor universal life insurance 4088541883 san jose california connie dello...Connie Dello Buono
connie dello buono 4088541883 san jose california ca life ins lic 0G60621 on page 3 is about preserving your heir's inheritance, charitable gifts, key person coverage and wealth transfer
Annuities explained is a presentation which will explain everything you need to know about the major types of annuities, what are the best annuities and how to select the most appropriate annuity in your particular situation.
How can you choose the right type of Life Insurance? Pravesh Vasudeva
Choosing the right type of life insurance can be confusing, but it’s also an important decision. There are primarily two types of life insurance to choose from:
a) Term Life Insurance
b) Permanent Insurance
Which one is the best for you? Let's see.
Mata Kuliah Kebijakan Publik : Perbandingan Kebijakan Asuransi Kesehatan Jerman, Singapore, dan Indonesia
Jurusan Kesehatan Masyarakat
Fakultas Ilmu-Ilmu Kesehatan
Universitas Muhammadiyah Pr. DR. Hamka
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
Spencer Lodge Fund Advisers Dubai Life Insurance. Spencer Lodge MD of Fund Advisers Dubai Universal life insurance offers you the freedom to increase or decrease your policy’s death benefit to fit your individual needs. Policies have minimum and maximum premium amounts that you must meet to maintain your coverage, but the timing of payments can be flexible. Access to cash values Universal life insurance policies have a cash value that has the potential to increase over time. If financial needs arise, you can tap into your policy by taking tax-advantaged policy loans and making partial withdrawals without income taxes.
Life Insurance is a form of risk management primarily used to transfer the risk of uncertain loss.
It provides compensation for financial loss only not profit.
Life insurance is a protection against the RISK of financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration of premium payments made by the insured.
Successfully Reducing Insurance Costs
By Mel Feller, MPA, MHR
Mel Feller Seminars, Coaching For Success 360 Inc. /Mel Feller Coaching
Have you looked at your insurance costs lately? Chances are, your costs have gone up even if your coverage has remained the same. Insurance inflation is a hidden danger because you do not always pay those bills every month or pay them directly. In addition, when they do rise, there seems to be no practical way to control them. Let’s look at some major insurance categories to see where cost-cutting might be possible.
What is an annuity?
An annuity is an insurance-based contract between you, the owner, and the contract issuer.
This is basically how annuities work: You pay after-tax dollars to the issuer, the issuer invests the money for you, and any earnings accumulate tax deferred. At some point, the issuer pays out the principal and earnings to you or to your beneficiaries. Earnings are taxed as ordinary income when they’re distributed.
Survivor universal life insurance 4088541883 san jose california connie dello...Connie Dello Buono
connie dello buono 4088541883 san jose california ca life ins lic 0G60621 on page 3 is about preserving your heir's inheritance, charitable gifts, key person coverage and wealth transfer
Annuities explained is a presentation which will explain everything you need to know about the major types of annuities, what are the best annuities and how to select the most appropriate annuity in your particular situation.
How can you choose the right type of Life Insurance? Pravesh Vasudeva
Choosing the right type of life insurance can be confusing, but it’s also an important decision. There are primarily two types of life insurance to choose from:
a) Term Life Insurance
b) Permanent Insurance
Which one is the best for you? Let's see.
Mata Kuliah Kebijakan Publik : Perbandingan Kebijakan Asuransi Kesehatan Jerman, Singapore, dan Indonesia
Jurusan Kesehatan Masyarakat
Fakultas Ilmu-Ilmu Kesehatan
Universitas Muhammadiyah Pr. DR. Hamka
Asuransi kesehatan adalah salah satu jenis asuransi untuk menjamin biaya kesehatan dan ditujukkan untuk mengantisipasi biaya pengobatan di masa mendatang. info :
https://www.dbs.com/id/treasures-id/dbs-forms/dbs-manulife/protect.page?cid=ID_search_manulife_protect_prohealth
This Policy provides comprehensive cover against bodily injury resulting in death or disablement arising due to accidents. Major covers under this policy includes accidental death, permanent total disability, permanent partial disability, temporary total disability, etc
You want to see your family secured and happy at all times. You try your best to fulfill all the responsibilities, however, life is unpredictable. To protect your families against such adversities of life and to ensure that they are able to cope with any financial obligations, should anything happen to you, Kotak Life Insurance offers to you Kotak Preferred E-Term plan. Kotak Preferred E-Term plan is a pure risk cover that provides you with a high level of protection at an economical price. It comes with a disability advantage where in case of an unfortunate event if you are disabled during the Premium Payment Term your future basic premiums are waived and the plan continues.
Lic, lic agent, lic of india, lic consultant, lic Investments plan, life insu...Naresh Gandhi
LIC Agent Mumbai, Life Insurance India: We are Life Insurance Corporation of India's authorised insurance agents. If you are looking for Lic Investment plan, Life Insurance, Lic Term policy, Lic endownment plan, Lic pension plan, Lic fixed deposit, Lic jeevan saral you can contact us and we will be more than happy to assit you in your financial planning
Contact : +91 98218 05803
Their are Three aspects in Wealth Management..
1) Investment Planning
2) Insurance Planning
3) Estate Planning
In this E Book we talk about insurance planning and how to can protect our wealth... Both Mediclaim & Term Plan is covered in this PPT...
Enjoy Reading :-)
Long term care expenses are one of the largest threats to retirment security. 70% of people over age 65 will need some form of LTC. This workshop outlines the potential costs, what expenses are covered by health insurance, medicare and medicaid.
Your ability to earn an income is perhaps one of your most valuable assets. Accidental death & disability insurance lets you insure it. Learn more in this visual presentation about the benefits of this plan.
Income Protection Insurance: Get a monthly income when you have days off work, due to accident or illness. Free advice. Compare quotes, instantly!
http://www.lifeinsurancedirect.com.au/income-protection/
ENSURING PEACE OF MIND DURING THE COVID-19 LOCKDOWNPolicyBoss
In such uncertain times, when one has little idea of how situation will change in coming weeks, as much is it important to practice social distancing and follow lockdown protocols, in avoiding getting infected by covid-19, it is equally important to have peace of mind.
7 Things to Consider Before Buying Health Insurance PolicyPolicyBoss
Selecting the wrong health insurance policy for yourself can lead to disappointment. Choosing a health insurance plan that is best suited to you is a prerequisite for a secured future.
How to protect yourself from Zika virus?PolicyBoss
According to the WHO, the virus was first identified and documented in Uganda in 1947 in Rhesus monkeys and was first detected in humans in 1952 in Uganda and Tanzania. Learn more about this dreaded virus that is doing in the rounds in the news globally.
There are various provisions in the Income Tax Act that provide tax exemption if one has made investments in certain types of insurance. This infographic provides an overview of the same to help you understand some common investment options within insurance.
Factors such as inflation, increase in life expectancy, current term cover, etc., could render your current term/life cover inadequate. Learn if you are adequately insured in this visual chart.
1 in 10 people in India do not have access to any form of insurance. While the average life insurance premium costs less than a pack of cigarettes, people tend to postpone their intent to buy. Learn why you should go for a life cover in this easy-to-understand infographic.
India has around 2.5 million people suffering from Cancer. Around 1 million cases get added every year. Annually, nearly 5 lakh people die of cancer in India. The WHO said the number is expected to rise to 7lakh, by 2015. Are you adequately prepared?
There are innumerable accidents resulting out of drunken driving the world-over. There are strict laws against the same in India. However, there are other factors that lead to accidents besides drunken-driving. Find out in this informative infographic.
Dengue - A Growing Healthcare Challenge in IndiaPolicyBoss
Dengue is a mosquito-borne viral infection. If not diagnosed and treated early, it can lead to a life-threatening condition. There is no vaccination available for preventing Dengue. There are four kinds of dengue viruses spread among humans by Aedes mosquitoes. Learn more in this infographic.
While India is increasingly becoming a major destination for medical tourism - with its super-specialty hospitals offering "affordable" treatment to patients from the west, healthcare
is increasingly becoming unaffordable for most Indians. Learn more in this infographic.
Hypertension is soon turning-out to be one of the most lethal diseases in India. This infographic throws some light around the facts and figures related to this in India.
Sedentary lifestyles lead to non-communicable and lifestyle-related diseases such as diabetes, hypertension, etc. This infographic throws light on the exercising patterns in India.
The importance of higher education cannot be stressed enough. By the year 2030, the cost of higher education is expected to spiral up significantly. India will be one of the youngest countries in the world. Have you planned for your child's higher education?
India, already home to the second largest diabetic population in the world, is heading towards a diabetic explosion. By 2030, 1 in 5 diabetics in the world will be from India. Diabetes can be lethal if adequate precautions aren't taken. Financial implications are significant with treatment costs being ongoing through-out one's life.
While going for a health insurance plan is the first step towards protecting yourself and your loved ones, it is important to be adequately insured as well. This visual presentation assists you in determining how much health cover you should go for.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties