Sentences with phrase «value term policy»

Standard term life policies are a little more expensive than a decreasing value term policy, but they have a fixed payout.

Farmers also offers a Farmers Value Term policy.

The Value Term policy provides death benefit protection that starts at $ 150,000.

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.

For Genworth, 2014 was a year of reckoning, as it wrote down the value of many long - term care policies whose costs its underwriting fees can't cover.

Due to the lifetime coverage and cash value, whole life insurance costs considerably more, meaning it can easily come to 10 times the cost of a term policy with the same death benefit.

However, a large literature concludes that the equilibrium real short - term rate is very unlikely to be constant, with its value affected by many factors, including the pace of technological change, fiscal policy and the evolution of financial conditions.3

In addition, term policies don't have a cash value component.

Policy makers who seek quick fixes and could care less about long - term consequences undoubtedly encourage investors to embrace the same value system.

The policy loan provision stipulates the amount you can borrow against your cash value, the rate of interest, and other terms for policy loans.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

While the policy allows for access to the account value in the short - term, through loans and withdrawals, there are costs and risks associated with those transactions.

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.

By correlating diverse boards with greater board effectiveness and the promotion of long - term value creation, the association's recommendation transcends public policy debates and moral imperatives.

Since term life insurance policies don't have a cash value, this figure would be zero.

For example, if a «normal» level of short - term interest rates is 4 % and investors expect 3 - 4 more years of zero interest rate policy, it's reasonable for stock prices to be valued today at levels that are about 12 - 16 % above historically normal valuations (3 - 4 years x 4 %).

Since term life insurance policies don't have a cash value, there would be no taxes associated with surrendering the policy.

«I've had clients for 20 years thank me for advising them to convert from term life to permanent life insurance when they did... The value of the policy can grow significantly,» he said «It's a very useful planning tool.»

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

A term life insurance policy offers coverage for a specified period of time, meaning that if you die during the term of the policy the beneficiary will receive the specified payout (also known as the death benefit or face value of the policy).

But even more importantly, aside from being a long - term store of value, gold is a hedge — a form of money that acts as an insurance policy against a dangerously overleveraged financial system.

They have joined forces against the worst excesses of raw political expediency, exposing our short - term policies in the harsh light of more enduring values.

And while judges may not inject their personal or sectarian values into cases that come before them, they are free to advocate policies in terms that may resonate with other citizens.

The Company also provided an update on senior executive appointments, meaningful progress it is making on its Strategic Renewal Plan (the «Plan») to drive long - term shareholder value creation, and corporate governance policies.

Wenger's words yesterday can't be taken at face value at all, as we've been told about how there is money available for seasons and seasons now, and little has changed in terms of the transfer policy.

[8] Blair put forward a case for defining socialism in terms of a set of values which were constant, while the policies needed to achieve them would have to account for changing society.

suggests that class size reduction policies are not the best option in terms of value for money to raising pupil attainment, compared to others such as increasing teacher effectiveness.

«In the long term, the state could adopt some policy changes that value the attributes that nuclear plants provide from a carbon reduction perspective, from an economic perspective, from a reliability perspective,» he said.

On the need to restore the value of the national currency, Dr Nduom said that would not be a short - term enterprise but «a long - term consistently applied policy and related practical measures to make this happen».

Our record is also of interest to climate policy developments, because it opens the door to detailed comparisons between past atmospheric CO2 concentrations, global temperatures, and sea levels, which has enormous value to long - term future climate projections.»

Zinke has served only one term in Congress and does not have a deep record on natural resources policy, but he is an outdoorsman who learned to hunt on public lands and therefore recognizes their value for recreation and wildlife.

They report that educators, program designers, policy - makers or others typically do not view 10 to 14 year olds as a priority because the long - term benefits and value of investing in them goes unrecognized.

Their roll - out into translational practice will not be free of complexity, however, as culture and values differ in terms of what defines benefit and risk, who will benefit and who is at risk, what methods must be in place to assure the maximum safety, comfort, and protection of subjects and patients, and educational and policy needs.

They sneak the auto renewal payment into the terms of conditons so even tho I paid for a month it renews every month for the one month payment is more expensive than just got a valued bundle deal and theres no refund because thats their policy so now this crappy app just charged me for an extra month I won't be using this app.

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Therefore, our approach is to pursue timely change — policies based on long - term consideration of Singapore's future, while preserving timeless constants — values that provide navigation beacons in the turbulence of change.

In this video I have explained the application of expected value in Term life insurance policies

It concluded that «class size reduction policies are not the best option in terms of value for money to raising pupil attainment, compared to others such as increasing teacher effectiveness».

For example, VAMs are useful «for researchers comparing large groups of teachers to investigate the effects of teacher training approaches or educational policies, or simply to investigate the size and importance of long - term teacher effects... [I] t is clear that value - added scores are far superior to unadjusted end - of - year student test scores» (Haertel, 2013, p. 23).

From our accommodating test drives to our innovative pre-owned exchange policy and value pricing on every vehicle and full day Saturday service to long - term automotive pampering you've always dreamed of, at McFarland Ford you'll be glad you chose THE REAL DEAL.Reviews: * Comfortable ride, simple controls, quiet cabin.

For its part, HarperCollins said that it «did not violate any antitrust laws» and maintained that its «business terms and policies have been, and continue to be, designed to give readers the greatest choice of formats, features, value, platforms and partners — for both print and digital.»

You can convert a term life insurance policy to whole life at any time to begin accumulating cash value.

A traditional term life insurance policy does not have cash value.

Term - to - 100 is similar to whole life, except without any refund of the cash surrender value if you cancel your policy.

For example, it is important to realize that a twenty year term policy does not increase in value over time.

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.

Permanent cash value life insurance policies cost much more than term, but also provide the added security of cash value accumulation.

Historically, the outperformance of value has been associated with a rising interest - rate environment; as the US Federal Reserve Board (sometimes referred to as «the world's central bank» for the far - reaching impact of its policies) attempts to begin raising rates, we see a potential catalyst for a value recovery over our long - term investment horizon.

These include (a) the cash value of one's whole life insurance policy, (b) the home equity value of one's residence, and (c) the pre-funded nature of the long - term care insurance policy.

But the cash value of the policy is one of the things that makes it more expensive than term life insurance.