Sentences with phrase «cash value of those benefits»

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.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

They do not include stock - based compensation of any kind, the cash value of retirements benefits, or other non-cash benefits, such as health care.

«The public funds, at least in Pennsylvania, are structured to enable the bank to make a loan that they might not be able to make without the public debt behind them by enhancing the loan - to - value, reducing the risk to [the bank], and then passing on some benefits [to the borrower] in the form of lower interest rates, which help cash - flow issues.»

Benefits — Each family / real estate investor keeps average $ 600 / mo for 2 yrs, real estate in all major metropolitans will have a traded price, increase buying power of low income high credit citizens, stimulate real estate investment by making it easier for investors to cash flow a rental property, reduce home inventory, the increase home values and liquidity provides incentive to put the $ X trillion in capital currently on the sidelines back to work and mortgage prepayments will increase capital availability.

Of course, the policy's cash value changes over time and is lower than the total sum of the death benefit it provideOf course, the policy's cash value changes over time and is lower than the total sum of the death benefit it provideof the death benefit it provides.

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.

The sum of money can be the policy's death benefit, its cash value or a predetermined sum.

¹ Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Participation from directional buyers and sellers of bonds should result in greater market inefficiencies between cash bonds and futures, benefiting less directional relative value trading.

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.

This is known as a partial surrender, which reduces the cash surrender value of the policy and the death benefit amounts.

If you work for a company that does not offer a qualified retirement plan (or does not offer a life insurance option in an existing plan) or if you have already contributed the maximum amount to your qualified retirement plan, a cash value insurance policy can offer some of the tax benefits of a qualified retirement plan.

The CDW benefit provides reimbursement for damage or theft of the vehicle for up to the actual cash value of most rental vehicles.

Please note that the policy's death benefit and cash value will be reduced by the amount of any loans or withdrawals you take.

The potential tax benefits from investing in MLPs depend on their being treated as partnerships for federal income tax purposes and, if the MLP is deemed to be a corporation, then its income would be subject to federal taxation at the entity level, reducing the amount of cash available for distribution to the fund which could result in a reduction of the fund's value.

While the cash value feature is an attractive option it's important to remember, though, that tapping into the cash value of a life insurance policy reduces its value and death benefit and increases the chance the policy will lapse.

Some permanent policies are eligible to receive dividends, and although they aren't guaranteed, they help to increase the cash value and death benefit of the policy.

The table below shows an example of how the premium, cash value, and death benefit work with an ROP policy.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

Also, tapping into the cash value of a life insurance policy reduces its value and death benefit and increases the chance the policy will lapse.

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

Start planning ahead and consider implementing these valuable strategies: Donate Securities Instead Of Cash There are several ways to maximize your tax benefits when donating securities to charity: Stock that has appreciated in value: Make sure the stock has been held at least one year.

Farmers remain slow sellers in the northern marketing, having the benefit of cashing in good chickpea crops and good values and are not in a hurry to quit cereals at current prices.

All guests of The Stafford London are eligible to enroll in the iPrefer hotel rewards program, which extends points redeemable for cash - value Reward Certificates, elite status, and special benefits such as complimentary internet to members upon every stay at more than 550 participating Preferred Hotels & Resorts locations worldwide.

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.

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.

The payment of the accelerated death benefit reduces the stated face amount and stated cash value.

The projected cash values are a function of your age at the time of application, the target death benefit, the average accredited interest rate, and whether you choose Option A or Option B.

In a nutshell, while most whole life insurance is fixated on maximizing the death benefit of a policy and just allowing cash values to grow over time, strategic self banking focuses on maximizing life insurance cash values, so the whole life insurance plan can be used strategically as a savings and personal financing vehicle for the purpose of recapturing your cost of capital incurred when having to deal with third party lenders or using your own cash.

To determine future value creation, we analyze both the growth and the use of free cash flow to benefit shareholders.

The cash values accumulate more quickly because of the higher initial premiums and lower initial death benefit.

Naturally, a policy buyer would prefer the insured to be elderly, in poor health, with a policy that has low cash value and a high death benefit, because all of these factors might increase the buyer's yield - to - maturity on the policy when you die.

Use of the accelerated death benefit with permanent policies may increase countable assets if the amount advanced exceeds the cash surrender value.

Aside from the obvious value of receiving a large amount of cash as a lump sum, there are some risks with choosing an annuity to receive the death benefit.

You have great surety about the death benefit, cash values, and rates of return if you continue making timely premium payments.

Whole Life Insurance Definition: also known as ordinary life insurance, it is a type of permanent life insurance policy that offers a guaranteed death benefit, guaranteed fixed premium, guaranteed cash value and guaranteed access to the policy's cash value through loans and withdrawals.

Make sure the policy you choose has the coverage you need in terms of level premiums, death benefits and cash value when it matures.

This type of policy builds cash value and has level premiums, but the death benefits are limited to between $ 5,000 and $ 25,000.

The sum of money can be the policy's death benefit, its cash value or a predetermined sum.

Eventually, the cash value makes up all of the death benefit.

You can change the death benefits during the life of the policy, usually after passing a medical examination, and you can pay premiums from your accumulated cash value.

But by paying more money early on, you can actually get the benefit of building a larger cash value, since the value is bigger at the start and has longer to grow with interest.

For purposes of this chapter, the term «wages» means all remuneration (other than fees paid to a public official) for services performed by an employee for his employer, including the cash value of all remuneration (including benefits) paid in any medium other than cash; except that such term shall not include remuneration paid — ...... (c) Employee

Credit cards which offer reward points may offer benefits of higher value as compared to cash back credit cards, especially for purchases done at supermarkets, gas stations and merchant network stores.

Include the death benefit and cash surrender value — if any — of each policy, as well as the names of the insurance companies and the beneficiaries.

The cash value accumulation then slows again as the policy holder ages and more of the premium is applied to the death benefits.

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Creating a high cash value life insurance policy gives you the benefit of a policy that grows cash value quickly, that will also grow your death benefit as you get older.

Loans and partial withdrawals will decrease the death benefit and cash value of your life insurance policy and may be subject to policy limitations and income tax.