Sentences with phrase «cash value concept»
If you want to sell life insurance products, there is nothing wrong with the cash value concept (except that too many agents abuse it.)
http://www.ampminsure.org/ Not exact matches
Review finance concepts such as the Net Present Value, Weighted Average Cost of Capital, Terminal Value and the discounting of cash flows.
«Investing in food producing farmland in the tax - friendly nation of the Republic of Vanuatu with our cluster concept in agriculture Malekula farm lets offers an investment that is out of reach from being diminished by most currency meltdowns and loss of value by state and local government seizure and also provides a cash return.
The key to understanding this is the concept of «pension wealth,» the current dollar value of the expected stream of future benefits, in other words, the cash value of a retiree's annuity.
Free cash flow is also similar to Warren Buffett's concept of Owner's Earnings, which he uses to value companies.
The lack of cash value is Tom's problem (above) and variable universal life is such a flawed concept that it should almost always be avoided.
What is actual cash value coverage on renters insurance, and why is it such a frightening concept?
Volatility alerts investors to the concept that maybe there will not be enough cash flow to complete the transaction at a positive net present value.
This an important advantage when considering permanent life insurance strategies such as the infinite banking concept ®, which is based upon a number of concepts such as the velocity of money and creating financial arbitrage to facilitate other activities such as real estate investing through cash value life insurance.
The concept behind Graham's intrinsic value is basically buying cash at a discount or at «net current assets.»
How the concept of cashing out home equity and repaying reverse mortgage loans within current economic conditions and falling home values can continue working is questionable at best.
The basic idea behind this infinite banking concept ® is that a policy holder can design a whole life policy to accrue cash value more quickly for the purpose of setting up a unique vehicle for personal family financing.
For example, you might use the infinite banking concept ®, and paid up additions, to create a life insurance policy that is designed to build cash values in a tax advantaged environment.
Along with dividends, policy loans that are repaid will also add to the cash value of the policy and results in a higher rate of return on investment in the policy, and this is all part of the infinite banking concept or self banking strategy discussed in prior posts.
The concept of selling your life insurance policy is known as a life settlement, this process involves selling your policy for an amount of cash that is less than your death benefit and more than the amount that is in your cash value account.
So, as we've discussed in previous articles about the infinite banking concept ®, you use the cash value from your policy to invest in step two in the form of a policy loan and NOT as a withdrawal from the cash value.
Infinite banking is NOT a new concept and really has nothing to do with cash value life insurance or any other particular financial asset with the exception of one primary factor:
Today, those of us that refer to the concept and process of using cash value life insurance as a personal bank (Infinite Banking) tend to use the same terminology that Nash coined in his first edition.
These are not predictable events; so cash on hand is an important concept in value investing.
Those concepts are «point density» and what I've called in the past (Club Carlson, Hilton) the «value per night required» to justify manufacturing spend on a co-branded credit card rather than a 2.22 % cash back credit card like the Barclaycard Arrival + MasterCard.
The main concept that you need to understand with actual cash value is that in the event of a loss if your policy is actual cash value, depreciation will be taken out of your payment.
Infinite banking is a concept or strategy where the policy owner utilizes the cash value of a participating whole life insurance policy from a mutual company as a means of self - financing.
An important distinction is the concepts of cash value and replacement costs.
And at some point, an agent has mentioned whole life insurance and the concept — getting guaranteed cash value that you can access while you're still alive — seems appealing.
The main concept that you need to understand with actual cash value is that in -LSB-...]
In fact, many policies are sold based on the concept of accumulating cash value rather than guaranteed death benefit.
Regardless of which cash value plan you pick, they generally have the same concept.
Some insurance agents will try to sell you on the concept that YOU can have your policy's cash value «tax free» in later years, but they fail to explain how this disrupts the death benefit for your beneficiary.
Today, those of us that refer to the concept and process of using cash value life insurance as a personal bank (Infinite Banking) tend to use the same terminology that Nash coined in his first edition.
The basic idea behind this infinite banking concept ® is that a policy holder can design a whole life policy to accrue cash value more quickly for the purpose of setting up a unique vehicle for personal family financing.
Over time, the cash value of your policy can be useful, especially for specifically tailored whole life policies designed for the purpose of employing the infinite banking concept.
For example, you might use the infinite banking concept ®, and paid up additions, to create a life insurance policy that is designed to build cash values in a tax advantaged environment.
The concept of using life insurance to supplement retirement might seem foreign, but permanent life insurance cash value accounts can offer a variety of advantages in retirement.
There is no concept of cash value in the Term insurance plan and the individual will not get any survival benefits after the policy matures.
Along with dividends, policy loans that are repaid will also add to the cash value of the policy and results in a higher rate of return on investment in the policy, and this is all part of the infinite banking concept or self banking strategy discussed in prior posts.
The concept of infinite banking is about strategically using participating cash value whole life insurance from a mutual insurance company as a personal banking system.
Unlike bank financing, as we've discussed concerning the infinite banking concept, the loan terms for cash value life insurance policies are highly flexible.
This is another huge aspect of the infinite banking concept ® because you can access life insurance policy cash for retirement or other investments and policy cash value keeps accruing.
This an important advantage when considering permanent life insurance strategies such as the infinite banking concept ®, which is based upon a number of concepts such as the velocity of money and creating financial arbitrage to facilitate other activities such as real estate investing through cash value life insurance.
Cash value, or «cash accumulation,» is one of the most misunderstood concepts in life insuraCash value, or «cash accumulation,» is one of the most misunderstood concepts in life insuracash accumulation,» is one of the most misunderstood concepts in life insurance.
If you are not familiar with the infinite banking concept please click the link but the basic premise is that your cash value in your policy acts as your own private banking system.
Selecting the best cash value life insurance policy is a difficult task involving a number of complicated concepts and analyses.
Think of the concept as a savings account to which you, the policyholder, can contribute either personal dollars or funds from the insurance company dividend growth to both accelerate the cash value of your insurance and to increase the policy's death benefit to your heirs.