Sentences with phrase «cash value premium»

Cash value premium is much cheaper coming in at < 40 % of the premium of replacement cost!

Not exact matches

As you pay your premiums, over time you begin to accumulate a cash - value component you can borrow against.

The cash - and - stock deal values Andeavor at about $ 152 per share, representing a premium of about 24 % to Andeavor stock's close on April 27.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

In a note, analyst Michael Senno wrote that «as an owner of sports cable networks and teams, we believe that MSG is well positioned to capitalize on the increasing value of premium sports content, which should result in AOCF and free cash flow growth above its peers and, combined with incremental leverage, lead to solid shareholder returns.»

«We are excited about this transaction with Apollo, as it recognizes the value of CEC's global brand, strong cash flows and growth prospects while providing our shareholders with an immediate and substantial premium,» Michael H. Magusiak, the chief executive of CEC, said in a statement.

The cash - and - stock deal values Andeavor, formerly known as Tesoro, at about $ 152 per share, a premium of about 24 percent to closing prices on Friday, driving shares 14.5 percent higher in initial premarket trading on Monday.

The answer is: «Forbes uses a complex algorithm to rank companies by what it calls an «innovation premium,» which is the difference between market capitalization and a net present value of cash flows from existing businesses.

CBO's measure of before - tax comprehensive income includes all cash income (including non-taxable income not reported on tax returns, such as child support), taxes paid by businesses, [15] employees» contributions to 401 (k) retirement plans, and the estimated value of in - kind income received from various sources (such as food stamps, Medicare and Medicaid, and employer - paid health insurance premiums).

You just use the cash value to pay premiums.

You would just need the policy's cash value to return a net 2.5 % interest annually to cut your premium payments in half while maintaining the full cash value.

Second, if — as many people believe — the publication of findings on the value premium has led to cash flows that have caused it to disappear, we should have seen massive outperformance in value stocks as investors purchased those equities and sold growth stocks.

Variable and universal life insurance policies are often favored because they allow you to use the policy's cash value to pay premiums.

Buying paid - up additions is similar to buying a small single - premium life insurance policy as you increase the policy's cash value and death benefit but don't have ongoing payments.

As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiums.

Cash value life insurance policies are typically permanent, meaning you have coverage for the entirety of your life so long as premiums are paid.

Plus, for the first several years of coverage the majority of your premiums are eaten up by the cost of insurance and fees, so cash value accumulation is slow.

For some permanent life insurance policies, you're also able to pay premiums using the policy's cash value.

You can also pay premiums using the policy's cash value.

If they lived past their policy's maturity date, policyholders lost their coverage and received little cash value in return, since the funds had been used to pay premiums.

The primary differences between these policies have to do with how premiums are paid and how the cash value grows over time.

Alternatively, you can opt not to touch the policy's cash value until it's fairly large, and then simply skip paying premiums later in life.

Universal life insurance policies are the only permanent policies that have «flexible premiums», meaning you can use the policy's cash value to make payments.

Each time you make a permanent life insurance premium payment, a portion of the money goes into a cash value account, and this account grows at a rate specified by the policy.

Permanent insurance, which includes whole life and universal insurance policies, is for life: It provides a death benefit for as long as you pay the premium, but also may include cash value that can be accessed during the insured person's lifetime.1

Money loaned to the policyholder through an automatic premium loan is treated like any other loan against the policy's cash value.

This clause provides that if the policyholder fails to pay the premiums on a life insurance policy, the insurance company may automatically use the accumulated cash value to pay the premiums.

Cash value life insurance can range from a traditional level premium whole life policy to a single premium whole life policy to a universal life policy to a variable life insurance policy or a variable universal life policy.

Although the payment of the insurance premiums is not tax deductible, any increase in the cash value of the insurance policy due to investment gains is not taxed until you begin to withdraw the money after you retire.

Generally speaking, loans and partial surrenders from MECs result in immediate taxation to the extent that the cash value of the contract exceeds the premiums paid.

Beyond its core protection, accumulation and premium guarantees, the product offers built - in and optional riders that can enhance cash value growth, provide flexibility to meet diverse protection needs and budgets and deliver added security for unexpected life events such as chronic illness.»

The policy is paid for and kept active by drawing on the cash value for its premium payments, not directly by regular premium payments.

Whole life insurance is designed to last your entire life, often has fixed premiums, and accumulates a cash value over time.

The selected stock market index is used to determine how much interest may be credited to your policy, subject to limitations such as a «cap»; however, your premiums and cash values are never invested directly in the stock market.

The cash value of a universal life insurance policy accumulates based on the amount of premium paid, monthly deductions for policy costs and an interest rate that is declared by the insurance company.

Portion Taxed as Income - This is calculated as the policy's cash value minus the amount you've paid in premiums.

You wouldn't owe any taxes if the life insurance policy's cash surrender value was less than the amount you had already paid in premiums.

However, if the cash surrender value was greater than the amount paid in premiums, the difference would be taxable as income.

The portion that would be taxed as income would be $ 25,000 since that is the difference between the policy's cash value and what you've paid in premiums.

As long as there's enough cash value to keep the policy afloat, premium payments can be reduced or even stopped completely.

As cash values accumulate in the policy, you also have the option to use these funds to pay the premiums; however, this is still considered a loan and the same factors exist.

The table below shows an example of how the premium, cash value, and death benefit work with an ROP policy.

Our analysis of valuation considers not only earnings, but free cash flows, dividends, book values, revenues, profit margins, interest rates, inflation, risk premiums and other factors.

Similar to a permanent life insurance product, some return of premium products generate a cash value.

Should your investments perform well and the cash value increases, it can be used to pay premiums or purchase additional coverage.

With life insurance companies for example, this might be cost assessed on the first year?s premiums used to build some cash value.

However, a portion of premiums goes towards the cash value, making whole life insurance significantly more expensive.

Options can be add value to one's portfolio in a variety of ways, specifically, maintaining liquidity via maintaining cash to engage in covered put options, initiating positions via being assigned shares strategically prior to or upon expiration of the option contract and capturing premium income via closing out the contract prior to expiration as the shares move in your favor to realize income.

Protection UL's guarantees, often to life expectancy and beyond, along with affordable premiums and cash value growth potential can help consumers replace lost family income and fund future expenses such as helping to pay for college or supplementing retirement savings.

There's generally no cash value component as you'd find with permanent policies, meaning it's less expensive, but this policy offers what is essentially lifetime coverage with level premiums.