chartered wealth manager accredited financial analyst financial planner ISO 9001 CHEQS 

AFA Accredited Financial Analyst - Financial Planner Certified Chartered Certifications ™

 
<< Previous    1...   23  24  [25]  26  27  ...91    Next >>



 

 

 

Universal Life Insurance  


Universal Life Insurance, also referred to as Flexible Premium Universal Life, lets you vary your premium payments and when you will pay the premiums, with some limits on how flexible you can be. For example, you may be able to skip a premium payment; or, increase or decrease your premium payments as long as the total amount of premiums you are paying in over a period of time is enough to keep the policy in force. As you get older, however, the minimum premium payments may increase.

Cash surrender value for a Universal Life Insurance policy depends on the performance of the insurance company's investments. Make sure you understand whether any benefits or cash surrender values are guaranteed. Even if there is enough in your account to pay the premiums, continuing to pay premiums yourself means you build up more cash surrender value.

If you do not pay enough in premiums, you may reach the point where your insurance coverage will end. To prevent that, you may need to raise your premium payments or lower your death benefits. The insurance company must send you an annual report and will also notify you if you are in danger of losing your policy due to insufficient value.

When you buy Universal Life Insurance, you may be able to change the amount of the death benefit (also called the "face amount"), after you buy the insurance. But, to increase the death benefit, you may need to fill out another health history or have a new medical exam.  


Variable Life Insurance  


Variable Life Insurance benefits (both the death benefit and earnings) vary based on the investment performance of the assets in which your premium payments are invested. You will generally be offered a variety of investment options (equity, bond, and money market mutual funds). Death benefits and cash values are directly related to the performance of investment options you choose. There may be a guaranteed minimum death benefit; however, you may be required to pay extra for that feature.

There are two kinds of Variable Life Insurance policies. You can buy a policy which has premiums with set times and amounts, or you can buy a policy which allows changes in premium payment times and amounts. Unlike Universal Life Insurance, however, the death benefit will also change depending on how much you pay in and the performance of the investments you choose.

The insurance company will give you a "prospectus" which will explain the policy before you buy it. The company will probably describe the different investment options in the prospectus, but you may also ask for additional information about the investment options. Study the prospectus carefully and be sure to ask the company about anything you don't understand.Agents who sell Variable Life Insurance must have both a Massachusetts insurance agent license and be registered as representatives of a broker-dealer licensed by the National Association of Securities Dealers (NASD) and be registered with the Securities and Exchange Commission (SEC) as well. The SEC also reviews and approves the contents of the prospectus you will receive, and is currently involved in an effort to make these prospectuses much more understandable to consumers.

With a Variable Life Insurance policy, there are usually no guarantees. If the investments you choose lose money, you could find that the value of your account is far less than the amounts you have paid in.

Although some Variable Life policies may include a minimum guaranteed death benefit, others do not have this guarantee. It is possible that, if you were to die when the values were low, the death benefit your beneficiaries received would be reduced to little or nothing.  



 

Comparing Major Types of Life Insurance  

 

   

Term Life  
<< Previous    1...   23  24  [25]  26  27  ...91    Next >>

 

Certified Management Consultant 

Home About Certifications Board Requirements Certification Benefits Application Contact Us Accredited Contact Send CV for Approval Apply AFAPPC GetCertifiedPPC Chartered Wealth Manager News How To Use Stock Markets Qualifying Degrees Training Calendar FINRA GUIDE CEO Message Reg. Payments Training Providers About Old Events CWM Training Program Mission Ethics News UBT University Business Technology Saudi Arabia Saudi Arabia - Certification Training Programs 2017 - University Business & Technology Articles Chartered Certified Economist FINRA Chartered Wealth Manager Training Verify Member Guides Informa GAFM Guides In House Training Speakers Global Advisors Membership Governmental Recognition Links Handbook mfm Financial Planner Program Chartered Economist CCO Higher Institute IP List Become Provider Management Consulting Jobs TUV Accreditation CWM Chartered Wealth Manager Terms Financial Analyst Certification Copy of Certification Economics Certification Economics Degrees Management Degrees Finance Degrees Accounting Degrees Renew Certification Awards Sample Trademarks Careers Complaint Site Map Mentz George Mentz Lawyer Mentz George Colorado USA Speaker Consultant AFA ® Accredited Financial Analyst Certification CTEP ® Trust and Estate Certification CIPM ® Certified International Project Manager CWM ® Chartered Wealth Manager ® AMA ® Management Accountant Certification AMC ® Management Consulting Certification MMC ® Management Consulting Certification Book

Google Plus   

CERTIFIED FINANCIAL ANALYST

All Rights Reserved 1996-2019 -  GAFM Global Academy of Finance and Management   & Association for Finance and Management

 Mentzinger Media LLC   Board of Standards - Accreditation and  Certification - Global Certified  Accountants Financial Analysts Institute 
Association of International Financial Accounting  Foregin Relations Public Policy Council  Chartered Wealth Manager
Accredited Financial Analyst Certified Chartered Management Accountant   - Association Institute Academy 
US Department of Labor  - George Mentz
 
www.GAFM.us * www.GAFM.org
In alliance with the Unincorported Non-Profit Association of Finance and Management USA
 
A financial analyst  securities analyst, research analyst, equity analyst, or investment analyst is a person who performs financial analysis for external or internal clients as a core part of the job. Financial analysis (also referred to as financial statement analysis or accounting analysis or Analysis of finance) refers to an assessment of the viability, stability and profitability of a business, sub-business or project. It is performed by professionals who prepare reports using ratios that make use of information taken from financial statements and other reports. These reports are usually presented to top management as one of their bases in making business decisions. Certification as a financial analyst requires accredited education in finance
 
Management consulting is the practice of helping organizations to improve their performance, primarily through the analysis of existing organizational problems and development of plans for improvement. Organizations may draw upon the services of management consultants for a number of reasons, including gaining external (and presumably objective) advice and access to the consultants' specialized expertise. Becoming certified in management consulting requires proper education experience and credentials.
 
Management accounting or managerial accounting is concerned with the provisions and use of accounting information to managers within organizations, to provide them with the basis to make informed business decisions that will allow them to be better equipped in their management and control functions. Cost accounting is a process of collecting, analyzing, summarizing and evaluating various alternative courses of action. Its goal is to advise the management on the most appropriate course of action based on the cost efficiency and capability. Cost accounting provides the detailed cost information that management needs to control current operations and plan for the future. Certification in management or cost accounting requires education and expertise in accounting.
 
IP/Rights Global