Sentences with phrase «cash value structure»

In the case of whole life policies, where the death benefit and cash value structure is less flexible, there's no way to take a non-taxable withdrawal from the policy, nor to just reduce the death benefit; however, it is possible to engage in a «partial surrender» of the policy, which liquidates a portion of the policy, returns a portion of the cash value, and reduces the death benefit accordingly.

Variable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay premiums.

Variable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay premiums.

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 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.»

Whole life insurance policies are usually structured to mature when you turn 100 years old, at which point the cash value should equal the death benefit.

From 2001 to 2011, he was a Senior Vice President at Wells Fargo Capital Finance where he originated and structured asset - based, cash flow and enterprise value financings to middle market companies.

The funds that those sales could bring in could largely be spent now, so if the estimated income from X player sales should be # 100mil, spend # 75 mil of that now from the cash reserves and then work hard on recouping that money from the average that needs to go... Values was an example and not what I think they are worth XD That area could also deal with contracts, take the pay structure away from the manager and into the club, ensure we do not have this issue again when a new manager feels it is the right direction and has no one to stop him.

You see, when a participating whole life insurance plan is properly structured to maximize the cash value, the cash value can become available relatively quickly depending upon the amounts deposited and the other details of the policy.

Both are permanent life insurance and both have the ability to be structured to provide either maximum death benefit protection or cash value accumulation.

However, permanent life insurance can be structured as an employee benefit, as the policy, and its cash value, can be transferred to the insured after a certain number of years or at a particular milestone.

For long term saving, the Chase Freedom ® offers more value through its cash back structure — 5 % returns on rotating categories, and 1 % back on everything else.

This structure of a whole life policy will allow the majority of your premium to go toward the cash value savings, while very little goes toward agent commissions and the cost of insurance.

In addition, loans can be taken with minimal costs and no penalties at any time (in favorable policies) AND regardless of loans the policy will continue to grow on the full cash value in a properly structured self banking policy.

And on a properly structured banking policy, the policy's cash value continues to earn interest and dividends even if you or your child borrows money from the policy.

We at InsuranceandEstates.com feel strongly that a properly structured cash value life insurance policy is the best savings tool for college, small business, real estate investment, or pretty much any other self funded endeavor.

Whole Life insurance, also known as permanent life insurance, is structured so part of your premium pays for the insurance, and part goes to a separate cash value account.

The bottom line is that cash value life insurance can be an effective method for building up savings in a structured fashion.

A properly structured policy will accumulate cash value.

The remainder of the premium goes towards the policy's cash value, which is similar in structure to a brokerage account.

This is where the correctly - structured policy's benefit of underlying continued growth even when you've borrowed against the cash value comes into play.

A properly structured whole life policy offers guaranteed cash value growth.

Other policies are structured to accumulate cash value in the life insurance policy.

Universal life insurance structured under Option B is designed so that proceeds of the policy rise in value over time and equal the death benefit plus the cash value.

To sum - up, we wish to find stocks that are attractive in the activists» view due to untapped potential, which said activists can unlock by e.g. distributing cash holdings, stop value - destroying activities, optimize capital structures or advocate for a merger or liquidation.

How they do this varies from policy to policy, but the general structure is this: the longer you've owned the policy, the easier it is to get the full cash value out of it.

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Insurance companies are able to structure tax - free internal policy loans against the cash value, in some cases providing an investor with years of tax - free income.

As we touched on above, this strategy of borrowing from a properly structured whole life insurance policy allows you to continue to accrue cash value, tax free, regardless of the amount borrowed and at reasonable market rates.

Using properly structured permanent life insurance with cash value is one key ingredient.

A properly structured cash value life insurance policy is a good investment for many reasons.

If that same person had a properly structured cash value life insurance policy with paid up additions, they could access their money at any time, without any penalty, AND without any taxes.

Properly structured and maintained permanent life insurance can build cash value which you can use as you see fit.3

Infinite Banking is most commonly executed via a properly structured cash value life insurance policy.

With a properly structured whole life policy that is built for max cash value accrual, it may only take a couple years before the bank is of sufficient size, but it's not an overnight process.

When it comes to accumulating cash value, Guardian's 10 pay limited pay life insurance product, when structured properly, is apparently their strongest offering (blended with paid up additions).

Replacement cost coverage is available for the structure of your home, but only actual cash value coverage is available for your possessions.

Infinite Banking is accomplished by using the cash value in a properly structured life insurance policy to lend and borrow.

Simply put, some companies are more flexible than others when it comes to premium design AND «paid up additions» (which is adding cash value to your policy) and structuring a policy that suits your goals.

As an example, a properly structured cash value whole life insurance policy that is purchased from a mutual company, is one that has tremendous liquidity, low cost (majority of the cost is buying lifelong level insurance — not to be compared to term), no tax on the growth of the account, tax free loans, tax free withdrawals (up to basis), tax free to survivors, no contribution limits, no required withdrawals, is free from creditors, and has minimum guarantees.

Universal life provides coverage for life and can be structured to act like a term policy to age 95, 100, 105, or 120, essentially stripping away the cash value component and offering you the cheapest, long term coverage available.

In this case, we structured the policy for max - cash dump in, and minimum face value, with the goal of getting the policy costs as low as possible.

For property damage (your home and other structures), we normally issue the payment to you and your Mortgagee (if applicable) for the «actual cash value / fair market value».

Actual Cash Value takes into account depreciation of the structure and its contents.

However, permanent life insurance can be structured as an employee benefit, as the policy, and its cash value, can be transferred to the insured after a certain number of years or at a particular milestone.

In contrast, universal life policies (a flexible premium whole life substitute) may be structured to pay cash values in addition to the face amount, but usually do not guarantee lifetime coverage in such cases.

The agent who sets it up will usually structure the policy to maximize cash value accumulation, while keeping the death benefit (and thus the cost of insurance) relatively low.

Whole life insurance policies are usually structured to mature when you turn 100 years old, at which point the cash value should equal the death benefit.

Most standard homeowners insurance policies cover the replacement cost of your home's physical structure and the actual cash value of the insured's personal property.

Besides 10 or 20 pay whole life insurance, there are other ways to structure your policy to maximize death benefit and cash value.