Posts tagged as:

life insurance

Death Benefit

by TheProAdvisor on September 25, 2009

Death benefitDeath Benefit - The amount of a protection, called coverage, provided by a life insurance policy or the amount of money received at the death of the insured by the beneficiary(s).

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Life Insurance

by TheProAdvisor on September 25, 2009

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

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Beneficiary

September 24, 2009

Beneficiary – The recipient(s) of the proceeds from an insurance or annuity policy.

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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 [...]

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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 [...]

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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 [...]

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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 [...]

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Call Option

August 3, 2009

Call Option – The buyer of a call option wants the price of the underlying instrument to rise in the future; the seller either expects that it will not, or is willing to give up some of the upside (profit) from a price rise in return for the premium (paid immediately) and retaining the opportunity [...]

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Option

August 3, 2009

Option – Options a commonly used in real estate and investing and there are two typical types of options – a call option and a put option.  An option is the choice or opportunity to purchase a specified quantity of an investment at a later date for a pre-determined price.  The buyer pays a fee [...]

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Put Option

August 3, 2009

Put Option – The buyer of a put option either believes it is likely the price of the underlying asset will fall by the exercise date, or hopes to protect a long position in the asset. The advantage of buying a put is that the risk is limited to the fee (premium) paid by the [...]

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