Sentences with phrase «cash value products as»

I would have included universal life as a cash value product as well and so would Dave Ramsey.

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 other category of life insurance products is referred to as cash value, or permanent life.

Beyond its core protection, accumulation and premium guarantees, the product offers built - in and optional riders that can enhance cash value growth, provide flexibility to meet diverse protection needs and budgets and deliver added security for unexpected life events such as chronic illness.»

Shop Wisely - There are two basic kinds of life insurance products to choose from; term life insurance and whole life insurance, also commonly known as cash value or permanent insurance.

Ramsey doesn't believe in buying whole life insurance, also known as cash value life insurance, because of its dual role as an insurance product and an investment vehicle.

And while term insurance is sold for specific periods of time, typically anywhere from 5 to 30 years, a cash value insurance policy is usually considered to be a permanent life insurance policy, as these products are designed to remain in force for your entire life.

As term to 100 does not have any cash values, premiums are typically less expensive than other permanent products that do have cash surrender values, such as whole life insurancAs term to 100 does not have any cash values, premiums are typically less expensive than other permanent products that do have cash surrender values, such as whole life insurancas whole life insurance.

Other products, such as universal or whole life, are geared towards those individuals who want lifelong protection and possible cash value accumulation.

These plans are funded solely with insurance products such as cash value life insurance or fixed annuity contracts, and the plan owner can often deduct hundreds of thousands of dollars in contributions to these plans each year.

It mostly addresses the issue that term policies do not provide any cash value, as you would get with a whole life policy, or other investment - based insurance products.

We pair that together with Cash - Value Life Insurance because of the preferential income tax - free benefits that are allowed life insurance products, as well as optional long - term care features.

A review of high - yield debt investments should cover: (1) analysis of the industry, including growth rates, special risks and leading companies; (2) analysis of the bond issuer, including the company's position in its industry; new products; management stability; the outlook for growth in revenues and cash flow as captured in Earnings Before Interest, Taxes, Depreciation and Amortization, also called EBITDA; value of corporate assets and the debt maturity schedule; and (3) analysis of the issue, including special provisions in the «bond indenture,» covenants protecting the bondholder, use of the money raised in bond offerings, debt seniority, secondary market liquidity and call provisions.

Cash value or whole life insurance is a type of life insurance product often sold as a way to build up your savings.

The integrated value is the product of dividend yield score and free cash flow yield score, each of which is computed as transforming the standardized fundamental data to cumulative normal distribution, in the range of 0 to 1.

As a result McKnight recommends investing in a cash value life insurance product that provides the least amount of insurance the IRS requires, while flooding the policy with additional money up to the IRS limit.

A grand prize winner will earn $ 10,000 in combined value of cash, services and products for their favorite non-profit pet organization, as well as PetHub I.D. products and one year of premium service for the pet owner.

Customers with a Signature Rewards Plus product pay a higher annual fee than Platinum Rewards Plus customers and as a result have access to more robust and valuable redemptions options; including Cash - back at a value of 1.25 %.

The insurance industry earns big profits — and their agents big commissions — from products known as whole life insurance, universal life insurance or cash - value life insurance.

Long - term care (LTC) coverage is often available as a rider to a cash value insurance product such as universal, whole, or variable life insurance.

Therefore, if cash value is one of your highest priorities, consider a product that can build significant cash value, such as indexed universal life insurance.

There are also products that are guaranteed to pay out proceeds upon death, known as guaranteed universal life, but have little to no cash value after the premium goes in.

However, what makes cash value life insurance products like whole life insurance unique is that some of your premium is being set aside into a savings account, which your life insurance company will deposit dividends into as an interest payment.

But as we already mentioned above, cash value life insurance doesn't grow at the rates you think it will, and putting the money that you would spend on this expensive product into an investment account instead would be much more beneficial in the long run.

Whole (or permanent) life insurance policies are sometimes marketed as investment products, because they have a cash value that can grow over time.

Let's take a quick tour through Dave Ramsey's thoughts on whole life insurance, such as when he calls cash value life insurance, like whole life insurance, «one of the worst financial products available.»

Sagicor Life Insurance Company also hosts products for those who want further solutions like the Fixed Indexed Single Premium Whole Life, as well as the Sagicor Fixed Indexed Universal Life (FIUL) which are used to more aggressively grow cash value within a policy by tying it to the stock markets or other indices.

Many of these product options are permanent life insurance coverage, which means that there is both a death benefit, as well as a cash - value component of the policy.

American National's indexed universal life insurance products offer the same features as the company's regular universal life — such as death benefit and cash value build up — but they also offer this ability to earn an additional amount of return.

Products like 401 (k) s, Roth IRAs, and deferred compensation accounts all offer the same tax advantages as a cash value life insurance plan and often at a fraction of the cost.

With an indexed universal life insurance product, the cash value component will grow based on an underlying index, such as the S&P 500.

Unlike money kept in some financial products for children, such as 529 college savings plans, a juvenile life insurance policy's cash value doesn't have to be used specifically for education.

The Accumulator product is geared toward people who may want to use the cash value later to supplement retirement or cover other expenses, such as their children's college education.

Our Simplified Whole Life Insurance policy covers you for your whole life as long as your premiums are paid, our products also offer level premiums and guaranteed cash values,

Permanent life insurance is not a real product but they are also referred to as «cash value insurance», permanent life insurance has several products such as Whole life and Universal life, even Variable and Index Universal life insurance are a form of permanent life insurance.

While not to take the place of a savings account, some permanent insurance products have a cash value component that accumulates interest which can be used, via surrendering the policy or borrowing against it, for future expenses such as medical bills; however, the value grows more slowly than a typical investment plan and if you don't repay the policy loans with interest, your death benefit will be reduced.

Other products, such as universal or life time, are aimed at those individuals who want lifelong protection and possible cash value accumulation.

At first, these riders were only offered in cash value policies such as whole life insurance or universal life insurance, but they are now available in term life insurance products as well.

As term to 100 does not have any cash values, premiums are typically less expensive than other permanent products that do have cash surrender values, such as whole life insurancAs term to 100 does not have any cash values, premiums are typically less expensive than other permanent products that do have cash surrender values, such as whole life insurancas whole life insurance.

As a securities product, fund performance may lead to declining cash value or death benefit over time.

However many are considering buying term life insurance at a lower rate and invest the difference on high - growth products like stocks and mutual funds where the returns are much higher than what you get as accumulated cash value on your whole life insurance.

And while term insurance is sold for specific periods of time, typically anywhere from 5 to 30 years, a cash value insurance policy is usually considered to be a permanent life insurance policy, as these products are designed to remain in force for your entire life.

It mostly addresses the issue that term policies do not provide any cash value, as you would get with a whole life policy, or other investment - based insurance products.

There are different types of life insurance products that you can buy, but a universal life insurance policy actually builds cash value and offers flexibility as well.

Ramsey doesn't believe in buying whole life insurance, also known as cash value life insurance, because of its dual role as an insurance product and an investment vehicle.

As a product that is fully entered into the stock market, the cash value has the luxury of gaining a hedge against inflation.

Financial guru Dave Ramsey even goes so far as to say «cash value life insurance is one of the worst financial products available.»

Cash value life insurance is not a product as much as it is a lifestyle.

Being able to decide on your investment products makes the potential rate of return in VL the highest, but it is also the riskiest, as death benefit amount and the cash value rise and fall depending on the performance of your chosen investments.

Whole Life Insurance products are designed to offer protection as they build cash value.