Sentences with phrase «value policies pay»

Actual Cash Value policies pay for replacement costs less depreciation at the time of the loss.

Actual cash value policies pay the amount needed to replace the item minus depreciation.

If you have an old car, however, the current cash value your policy pays might not be worth the cost of the premiums and deductible for the coverage.

The cash value policy pays out a lump sum cash benefit upon the death of the insured for the benefit of the life insurance beneficiary.

In contrast, an actual cash value policy pays based on how much your stuff is worth now.

A replacement cost value policy pays for the full cost to repair or replace your item (s).

An actual cash value policy pays the amount needed to replace the item, minus depreciation.

If you have an old car, however, the current cash value your policy pays might not be worth the cost of the premiums and deductible for the coverage.

By contrast, a replacement value policy pays you what it costs to replace the item.

Not exact matches

When it is time for either college or retirement, the policy holder can borrow money from the cash value and pay it back with the death benefit when they die.

United will adopt a «no questions asked» policy on permanently lost baggage, paying customers $ 1,500 for the value of the bag and its contents, beginning in June.

«You could certainly write a book on why the US has yet to see a federal paid - leave policy — but the answers essentially come down to two distinct cultural elements at play in the US: the values we place in individualism and business,» she wrote.

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.

But this is wholly unnecessary, since it means a property would have to fall to nearly zero value for the full insurance policy to be paid out.

Since she has left the academic world and is not now contributing to a 403 (b), he says, she could probably make the move without having to pay «surrender charges» — penalties for terminating a policy or withdrawing funds from the accrued value before a set time.

The value and cost of these policies depend on several factors: how the buyer chooses to pay premiums, how the market plays out and how the insurer calculates the death benefit.

The ALEC draft document for this week's Energy, Environment, and Agriculture Task Force Meeting encourages state policymakers to recognize the value the electric grid delivers to all and to update net metering policies to require everyone who uses the grid, such as distributed solar users who feed into it, to pay for it.

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.

(Australia ended policy similar to supply management in 2000; a tax of 11 cents per litre was applied to milk and producers were then paid out for the extra but artificial value of their supply - managed assets.)

But you need to either pay interest out - of - pocket annually or carefully monitor the size of the loan as compared to the policy's cash value.

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

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.

lets say jgbs yield -1 % and the boj pays the banks plus 5 %, if this policy is credible in anyway it will only be so to the extent that banks are willing to hold an unlimited quantity of this asset as a store of value.

However, this benefit is available only if you've paid enough into the policy that it has a sizable cash value.

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

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.

Property and casualty insurance companies invest a substantial percentage of book value and policyholder «float,» which is money they hold until policy claims are paid out but do not own, in investment - grade bonds, particularly corporate bonds.

You will receive tax receipts based on the present value of a paid - up policy or equal to the insurance premiums you pay for the policy.

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

However, the policies only pay out up to the pre-agreed coverage limit or the car's actual cash value.

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

In other words, their policy will replace the product you ordered instead of paying the value of your order.

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.

If you decided to surrender your life insurance policy or were unable to get a life insurance settlement, the policy's cash value would determine whether you had to pay any taxes.

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.

A portion of your premium pays for life insurance coverage equal to the face value of the policy.

A policy that pays dividends is able to increase in value above and beyond the interest that other types of permanent life insurance policies accumulate.

Because dividends allow your policy to grow in value, it's possible to use that value growth to pay your premiums.

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.

However, if the loan amount exceeds the cash value, the policy might lapse and you would have to pay taxes on the loan.

The taxable amount would be the the death benefit minus the value of whatever was paid to you, as well as any amount paid in premiums since they acquired the policy.

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.

I think an urgent decision at the highest level must be taken by the Arsenal Board to the effect that the policy of the Club setting a value on a possible newcomer and then refusing to pay beyond that figure MUST BE ABANDONED.