Sentences with phrase «policy contract values»

Policy contract values and debt will be split equally.

Not exact matches

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

Martin Moen, the director general at Global Affairs Canada who oversees North American trade policy, told a conference in Ottawa earlier this month that it would be «very difficult to see a path forward» for NAFTA if the U.S. continued to insist on changes that would constrain cross-border commerce, such as a the suggestion that the value of U.S. government contracts won by Canadian and Mexican firms should match the value of contracts American companies secure in Canada and Mexico.

In terms of taxation, the excess of the cash surrender value of the policy (plus any outstanding loans) over your basis in the contract is treated as taxable income.

Those expenses then ate into the policy cash values and ultimately rendered the contracts unprofitable, or threatened to do so.

They dispute among themselves about whether this or that public policy is the violation of the value of justice, or whether a certain action is the breaking of a contract, or whether a certain decision constitutes infidelity to a promise.

Arief has a long and distinguished history of working on a range of successful ACIAR projects and EVD projects on Round Table Indonesia (RTI) focusing on agricultural policy, agricultural competitiveness, livestock economics, value chains, and contract farming with smallholders.

An investigation into the processes for award of the contract and a value for money assessment would be welcome as it would be based on law and policies and not motivated by ill will and pettiness.

Every school and district express their values through the content that students learn; leaders shape that content through policies, contracts, and regulations.

Since the premiums are higher and the death benefit is initially lower, a greater portion of the premium is added to the policy cash value, which then grows interest - free inside the contract.

If you have a cash value policy and can no longer afford to pay the contract's premiums but still need insurance, for example, your carrier may be able to continue insuring your life by using your policy's cash value to buy term life insurance.

Many investors have talked about a «gold bubble» by arguing that gold prices are inflated because of inflation and the Fed's money policy and that once interest rates rise, the money supply will contract and gold will fall, but again, nobody can say with any reasonable accuracy what the fair value of gold at any given point is.

The difference between the cash and the surrender value is that if you surrender your policy (for example, if you choose to cancel and cash out the life insurance policy), you will receive the cash value that has accumulated less any applicable surrender charges; these charges are pre-determined by the life insurance company, and are stipulated in your policy contract.

If your spouse does not wish to continue the contract, the Accumulation Value is paid to your spouse and the gain in the policy is reported to the IRS.

You may withdraw up to 10 % of your policy's accumulated contract value each year after the first year without incurring a surrender charge.

This is true as long as the policy qualifies as an insurance contract EVEN IF strategies are used to maximize the policy cash value through paid up policy additions.

Certain cash value life insurance policies can become modified endowment contracts if they're paid - up over a shortened period, which can have negative tax implications.

Cash value accumulation is normally much stronger in a modified endowment contract than in a life insurance policy.

For those with a lot of extra cash to invest each year there is a limit to the amount you can pay into the policy (typically a percentage of the total policy value), this limit is known as the MEC (modified endowment contract) limit.

Cash value life insurance, whether whole life, IUL, or VUL, allows for the tax - free growth of funds in a policy's cash account unless the policy is canceled or surrendered, transferred or assigned to another owner, or the IRS no longer designates the policy a life insurance contract.

His $ 125,000 QLAC policy will offer a lower monthly income to cover the cost of the richer guarantee, but any unrecognized value in the contract will be passed onto his heirs.

Policy loans and withdrawals will reduce the contracts, cash value and death benefit and may cause the policy to Policy loans and withdrawals will reduce the contracts, cash value and death benefit and may cause the policy to policy to lapse.

In addition to remaining in effect as long as you pay your monthly premiums and keep any other obligations per your contract with the insurance company, these type of policies also accrue «cash value».

The inner - workings of cash value life insurance consists of a life insurance policy, which is a contract between the policy owner, the insured (often the same person), and the insurer, where the insurer agrees to pay a death benefit to the policy's beneficiary, based on the owner continuing to make the policy's premium payments.

His $ 100,000 DIA policy will offer a lower monthly income to cover the cost of the richer guarantee, but any unrecognized value in the contract will be passed onto his heirs.

If you are using paid up additions to increase your cash value you need to be aware that over funding your policy will change the tax status of your policy to that of a modified endowment contract (MEC).

The contract offers immediate cash value that increases through the life of the policy.

If a policy with no cash surrender value is sold (for example a term life insurance contract), the policy premiums would have largely covered just the cost of insurance, so that the proceeds received from the sale of the policy would all be capital gains.

By reducing volatility and potential losses, within your contract, the Market Stabilizer Option ® can provide a level of comfort at times when the market is unpredictable and protect your policy's cash value from extreme fluctuations.

Like other types of cash value life insurance policies which allow policy loans, most annuity contracts allow owners to borrow against the annuity contract's accumulated cash value.

The pro of whole life is that the higher price tag can be mitigated by getting this type of life insurance policy at a young age, adding specific riders that maximize the cash value up to, but not crossing the line, of becoming a modified endowment contract MEC, and allowing you to utilize that cash value in as little as 30 days.

The cash value of an insurance contract as of the date that the policy is being redeemed.

With a permanent life insurance contract, you have the flexibility to surrender the policy and supplement your retirement income with the funds that have accumulated in the policy's cash value account.

Values for death benefits and premiums are usually determined at policy issue, for the life of the contract, and usually can not be altered after issue.

But here's the good news: Despite the seeming complexity, there are major similarities between certain types of life insurance contracts: term insurance typically works the same from company to company, and so do different types of permanent or cash value policies.

His SPIA policy will offer a lower monthly income to cover the cost of the richer guarantee, but any unrecognized value in the contract will be passed onto his heirs.

Each put contract will cost considerably less than the value of 100 shares of stock, allowing you to think of the cost of your options the same way you think of a premium on an insurance policy.

If the policy has a Death Benefit, the contract could be worth much more to your heirs than its current face value.

However, even if the account value goes down, modern Variable policies will have a contract level death benefit which will be guaranteed.

A provision in which a certain percentage of a policy or contract's accumulated value is subtracted from the surrender proceeds if a policy is cancelled within a specific number of years following issuance of the policy or contract.

Policies that convey institutional values can be found in various handbooks, manuals, work contracts, and admission and recruitment brochures.

«In the work I've done recently for Calgary Legal Guidance I've written policy, contracts, some guidance on board governance and there is a lot of value in that.

Seven - Pay Test This is the maximum annual premium that can be paid during the first seven policy years (or after a material change) without causing a cash value life insurance policy to become a Modified Endowment Contract (a MEC).

If your policy had accrued cash value, you may have limited coverage based on the «Non-Forfeiture Benefit» or «Options Upon Lapse» terms of your contract.

These policies carry a «cash value» component that grows tax deferred at a contractually guaranteed amount (usually a low interest rate) until the contract is surrendered.

Guaranteed Cash Value In a whole life policy, the cash value which is guaranteed in the contract, and set forth on the policy's data pValue In a whole life policy, the cash value which is guaranteed in the contract, and set forth on the policy's data pvalue which is guaranteed in the contract, and set forth on the policy's data pages.

Avoid Modified Endowment Status: If the subsequent premiums paid into the new policy, other than the exchange proceeds, are within the new 7 - pay limit, then a 1035 Exchange of a life insurance policy allows the policy owner to place the original contract's entire value in the new policy without creating a modified endowment contract, or MEC.

For disadvantages, he said cost is the main issue, as policies can be expensive to issue and reduce the cash value of a contract.

The option to grow your cash value as separate from your death benefit is a provision you can have included in your policy, i.e. contract with the insurer.

Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against.