Posts tagged as:

Insurance

Life Insurance

by TheProAdvisor on September 25, 2009

Life Insurance – Insurance to be paid to a beneficiary when the insured dies.

Tagged as: ,

{ 3 comments }

Insurance

by TheProAdvisor on September 24, 2009

Insurance - A risk transfer mechanism designed to protect against a real or tangible financial loss.  It ensures that full or partial financial compensation is received for the loss or damage caused by specific or named event(s) beyond the control of the insured, assuming a fee called premium has been received.

Tagged as: , ,

{ 5 comments }

Insured

September 24, 2009

Insured – The individual or entity covered (protected) by an insurance policy.

0 comments Read the full article →

Premium

September 24, 2009

Premium – The fee or cost associated with an insurance policy.

0 comments Read the full article →

Qualified, Non-qualified, and ROTH – What’s the Difference?

August 26, 2009

When it comes to investments, there are generally two types – Qualified and Non-qualified.  So what exactly do these two terms mean?  They specifically relate to the tax treatment of the investment, or in simpler language, how the investment is taxed.
A Qualified investment is one where the taxes on the invested dollars and interest earned [...]

0 comments Read the full article →

Fixed, Variable, or Indexed – Which Is Right For You?

August 4, 2009

In today’s complex world of insurance, annuity, and investment products – three terms are thrown about without much explanation: Fixed, Variable and Indexed.  These terms define how interest is credited or earned on the investment.
Unfortunately, many advisors routinely fail to present all three as valid investment choices for their clients because they are unable to [...]

0 comments Read the full article →

Index Reset Period

August 3, 2009

Index Reset Period – The period that a cap or participation rate applies to an Indexed investment.  Generally an annual or monthly period and described as an Annual point-to-point or Monthly point-to-point.  They can also be Annual or Monthly Averages.

0 comments Read the full article →

Cap Rate

August 3, 2009

Cap Rate – Normally relating to Indexed investments, it is the maximum percentage of growth in a particular stock or Index that the owner of the investment can benefit from.  An example of this would be an investment with a 8% cap rate on the S&P 500 Index.  If the Index were to grow by [...]

1 comment Read the full article →

Participation Rate

August 3, 2009

Participation Rate – Normally relating to Indexed investments, it is the percentage of growth in a particular stock or Index that the owner of the investment gets to benefit from.  An example of this would be an investment with a 50% participation rate on the S&P 500 Index.  If the Index were to grow by [...]

1 comment Read the full article →

Investment Load

August 3, 2009

Investment Load – A load is a fee paid to purchase or sell a specific investment. It is expressed as a percentage of the amount invested and is most often used when discussing mutual funds or variable annuities.

0 comments Read the full article →

← Previous Entries