Sentences with phrase «as guaranteed annual»

Maturity sum assured is paid as guaranteed annual payouts to meet key milestones of your child.

It is paid out as guaranteed annual payouts either in the last 3 or last 5 years of the policy, depending on the policy term you choose.

Not exact matches

«The type of hidden fees annuity investors should pay attention to are separate account [investment funds] expense ratios; back - end sales charges; annual administration fees; mortality and expense costs; any rider fees, such as guaranteed income rider, death benefit riders [and] principal protection riders, to name a few,» says financial planner Joseph Carbone of Focus Planning Group.

Builder Plus IUL keeps the popular features found in previous Builder Series products as well, including a zero percent floor on any index credits, the minimum account value, which guarantees a 2.5 percent average annual return to the account value, and index credits included on the first annual statement.

According to Morningstar Annuity Research Center, variable annuity annual fees range widely, from 0.10 % to 2.25 %, with an industry average of 1.25 %.4, 5 Of course, you will pay more if you need to address a specific risk with a guarantee, such as a guaranteed living benefit, which provides income or asset protection from down markets.

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in the Information Statement filed as an exhibit to our Annual Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

The Guarantee Trust Bank's annual Super Cup ended in a grand style as Ogun state schools defeated the Lagos representatives on Wednesday at the Gateway International Stadium, Sagamu, Ogun State.

The combined influences of population and affluence have been regarded as the core of environmental stress — and have tended to guarantee an annual increase in carbon dioxide emissions.

With December just around the corner, it's time for your office to start planning their annual office party, but I can almost guarantee that yours won't be quite as epic as the festivities that will unfold in Office Christmas Party.

The Coens have since been cemented as geniuses, their nearly annual output as guaranteed as any filmmaker's to elicit mention in year - end «best of» discussions.

Companies should also provide third party test certificates for the products it will be using on the project as well as its annual certificate of API membership, which is the only way to provide guaranteed credibility.

Thinking that you have a deferred guaranteed annual income stream is decieving as the issuer can call the bonds and will discount the bond at a much higher rate than the coupon interest rate.

Of course, it also came with a guarantee: even if the ETF were to suffer a 5 % loss every year, your overall annual return would still be 1.33 %, about the same as you would get today from a high - interest savings account.

Fixed Rate Mortgage: Annual Percentage Rate (APR) on a Webster Fixed Rate mortgage is listed as an example only and does not represent a guaranteed rate by Webster Bank.

Jumbo Mortgage: Annual Percentage Rate (APR) on a Webster Jumbo mortgage is listed as an example only and does not represent a guaranteed rate by Webster bank.

Now compare these rates to a guaranteed lifetime rate of return averaging 4 % in a whole life policy from a mutual life insurance company, AND don't forget to add an additional 3 - 4 % on top as an average annual whole life insurance dividend.

3 Effective January 1, 2018, accumulations (including contributions and earnings) under the Funding Agreement for the Principal Plus Interest Option as of December 31, 2017 will be credited to MESP with an effective annual interest rate of 1.85 %, and are guaranteed to earn this rate through December 31, 2018, subject to the claims - paying ability of TIAA - CREF Life Insurance Company.

With whole life insurance, the guaranteed annual rate of return is lower than you might get with alternative investments, but you may want your child to have a death benefit as well.

The upfront guarantee fee will be 2 % for refinances (with 0.4 % annual fee) for commitments issued by USDA on 10/1/2012 and after (annual fee is collected monthly as part of regular mortgage payment).

Effective on October 1, 2012, RHS will revise the Up - Front Guarantee Fee and Annual Fee structure as follows:

As we know from Dahmer's CPP optimization consultation (www.cppOptimizer.com), delaying CPP is equivalent to having a guaranteed annual 8.4 % return on your RRSP for each extra year you delay receipt of benefits.

Adjustable Rate Mortgage: Annual Percentage Rate (APR) on a Webster Adjustable Rate mortgage is listed as an example only and does not represent a guaranteed rate by Webster Bank.

This type of annuity receives a fair amount of seemingly scholarly press trying to justify including this product as part of a balanced portfolio.Imagine that Thomas and Martha Jefferson, ages 64 and 62, respectively, purchase an immediate annuity that will pay them a guaranteed 6 % annual return.

But, one of the features I selected for the policy was an annual «future income option», guaranteeing I could buy more coverage (without any further medical) as my income would increase.

Guarantees such as 5 % annual payouts for life and guaranteed income until death are what make seg funds particularly attractive to older Canadians.

By complying to annual testing, and administering the preventative medication as directed, Merial, the company that produces Heartgard, will stand behind their 100 % guarantee and fund the treatment for heartworms in your dog.

Most of these co-branded credit cards come with an annual fee, which banks can see as a guaranteed revenue stream for loyal customers with higher - than - average income.

73rd Annual Santa Barbara International Orchid Show: Orchids - The World's Greatest Show: March 9th — March 11th This year's event doubles as the semi-annual conference of the American Orchid Society (AOS), guaranteeing the best - of - the - best in horticulturists in the field will contribute to the panoply of beauty and wonder.

In addition to bonus points for airfare purchases, the American Express ® Premier Rewards Gold Card offers a plethora of travel - related benefits, such as an annual credit toward airline baggage fees, lowest hotel rate guarantees, personalized travel services, no foreign transaction fees, a baggage insurance plan, premium roadside assistance, and more.

As a Company Limited by Guarantee, Imirt will incur annual accounting and legal costs as well as smaller costs such as the websitAs a Company Limited by Guarantee, Imirt will incur annual accounting and legal costs as well as smaller costs such as the websitas well as smaller costs such as the websitas smaller costs such as the websitas the website.

Publishers should, as a matter of course, be able to develop new titles with this length of shelf life as a way of giving readers continuity; and as publishers knew in the past, this is one of the better ways to guarantee future annual revenues from clients.

Finally a minimum wage as a concept is not to be confused with a guaranteed annual income.

In this scenario the annual step up applies as market performance exceeds that of the 6 % guaranteed growth rate, so your GWB becomes $ 178,473.

After paying a purchase price to the insurer as a single premium, you get a guaranteed monthly, quarterly or annual income throughout your life.

The Guaranteed Death Benefit is defined as higher of 11 times the annual premium or 105 % of the total premiums paid till the date of death or the Guaranteed Maturity Sum Assured chosen at the time of inception of the plan.

In addition, there are many benefits with whole life insurance such as guaranteed cash value, the policy can be used as collateral for a loan, and if it's a participating whole life policy annual dividends can be used to grow not only the cash value but also death benefit of the policy.

The guarantee is in effect if the paid premiums accumulated at a specified annual interest rate, such as 3 %, exceeds the applicable number in the Table of Limited No - Lapse Guaranteguarantee is in effect if the paid premiums accumulated at a specified annual interest rate, such as 3 %, exceeds the applicable number in the Table of Limited No - Lapse GuaranteeGuarantee Values.

The child will receive the Guaranteed Annual Payouts as usual even if the policyholder is not around

The proposed rule continues the mandatory use of «maximum guaranteed charges for each assumed gross annual rate of return,» and it extends this requirement to illustrations generated by «investment analysis tools,» such as simulation software.

Health insurance sold on the health insurance exchanges created by the Affordable Care Act is guaranteed issue, meaning a health insurance company can't refuse to sell you health insurance coverage as long as you're applying for that coverage during the annual open enrollment period.

DEFINITION of «Annual Renewable Term (ART) insurance», a term life policy where the initial contract is for one year, that renews annually, and offers you guaranteed insurability for a set number of years, as well as a level death benefit.

If you invest Rs. 1 lakh as annual premium under LIC's Bima Account 2 plan, after 10 years your guaranteed maturity benefit arrives at Rs. 12,63,911 (net returns = Rs. 2,63,911).

Guaranteed Additions are expressed as a % of annual Premium and depend on the PPT and premium amount

The Guaranteed Annual Payouts will accrue as and when they fall due and on maturity, the vested reversionary bonuses including any Terminal Bonus is paid to the nominee

The Guaranteed Annual Income is paid as a % of Sum Assured and depends on the option chosen and the Premium range.

Option 1 — if Krishna dies during the plan term, higher of the guaranteed maturity Sum Assured or 11 times the annual premium or 105 % of premiums paid is paid as guaranteed death benefit.

For instance, if you pay Rs. 25, 000 as an annual premium for a unit linked insurance plan, you will get a guaranteed death benefit of Rs. 2.5 lakh.

With whole life insurance, the guaranteed annual rate of return is lower than you might get with alternative investments, but you may want your child to have a death benefit as well.

On completion of the entire Policy Tenure of 16 years, 150 % of the Annual Premium is paid as Guaranteed Terminal Benefit and on completion of the entire Policy Tenure of 21 years, 200 % of the Annual Premium is paid as Guaranteed Terminal Benefit.