Sentences with phrase «cash value term»

Well, Horace Mann has addressed this by creating a hybrid product where you can enjoy the best of both worlds with the company's cash value term life insurance.

Return of premium term insurance is also known as «cash value term».

Life Insurance: Horace Mann offers several types of life insurance to include term life insurance, cash value term life insurance, whole life insurance, universal life insurance and variable universal life insurance.

Not exact matches

Purchases of usage subscriptions (including credits, points, and / or virtual currency) or any virtual items made available on the online services are nonrefundable, have no monetary value (i.e., are not a cash account or equivalent), and are purchases of only a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable right to use, even if such came with a durational term (e.g., a monthly subscription).

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.

For shareholders, the deal «provides them with immediate and compelling cash value and the opportunity to meaningfully participate in the long - term growth potential of a powerful combined company,» ILG Chief Executive Officer Craig Nash said in the statement.

For that, they rely on a ladder of cash sources: customers who pay enough for them to make a profit, suppliers who extend generous payment terms, their own frugality when it comes to items that don't add value to customers, friends, family, angels, and venture capitalists — many of whom can be supplying cash at the same time.

CEO Kotick said in a statement, «We should emerge even stronger — an independent company with a best - in - class franchise portfolio and the focus and flexibility to drive long - term shareholder value and expand our leadership position as one of the world's most important entertainment companies... The transactions announced today will allow us to take advantage of attractive financing markets while still retaining more than US$ 3 billion cash on hand to preserve financial stability.»

Some of the most common other assets include cash value of life insurance, long - term investment property and compensation due from employees.

Sainsbury's will pay Walmart # 2.9 billion ($ 3.9 billion) in cash and give the retail giant 42 % of shares of the combined business under the terms of the deal, valuing Asda at $ 10 billion (# 7.3 billion).

The array of portfolio companies and investments that made him rich may appear random — he's bet on companies including Coca - Cola, American Express, Geico, Fruit of the Loom, Dairy Queen, and General Motors — but they're all cash - generating machines that offer long - term value.

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.

For each proxy statement position, this compensation data was ranked from highest to lowest by the combined total amount of annual cash plus the annualized value of long - term incentive awards.

On the other hand, it's also the reason why term life insurance is several times less expensive than cash value life insurance.

Until then, don't listen to activist investors claiming they can unlock value unless they articulate a focus on ROIC and long - term cash flows.

A primary reason whole life insurance is more expensive than term is because of its cash value.

As discussed in the CD&A under «Compensation Components» and «Achieving Compensation Objectives — Pay for Performance,» we have provided incentive compensation in the form of an annual cash incentive award based on Company, business line and individual qualitative performance results for each fiscal year, and long - term incentive compensation generally in the form of stock option grants and, in certain circumstances, RSRs to reward our SEOs for contribution to growth in long - term stockholder value.

Subject to the provisions of our 2015 Plan, the administrator will determine the other terms of stock appreciation rights, including when such rights become exercisable and whether to pay any amount of appreciation in cash, shares of our Class A common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right must be no less than 100 % of the fair market value per share on the date of grant.

What's important for our discussion here is that there are essentially two ways to estimate the value of long - term cash flows.

Gold values vary wildly so this is considerably less stable than cash, but the long term value won't eroded to pennies by inflation and I don't expect I'll need it anyway.

In addition, term policies don't have a cash value component.

1 Accessing cash values, through loans and partial surrenders or by accelerating benefits for long term care benefit payments, will reduce the death benefit payable, the cash surrender value and the long term care coverage available.

This compensation data was ranked within the Labor Market Peer Group by the aggregate amount of annual salary, annual target and actual incentive awards, plus the annualized grant date value of long - term cash and equity compensation.

Financial risk: The potential for gain or loss on a financial level measured in terms of revenue, return on investment, return on equity, shareholder value, profitability, debt level, capital expenditures and free cash flow.

We could take the $ 16 billion we have in cash earning 1.5 % and invest it in 20 - year bonds earning 5 % and increase our current earnings a lot, but we're betting that we can find a good place to invest this cash and don't want to take the risk of principal loss of long - term bonds [if interest rates rise, the value of 20 - year bonds will decline].»

The way you (properly) value a business is to weigh the price against the long - term stream of cash flows that you expect that business to deliver into your hands over time.

Subject to the provisions of our 2016 Plan, the administrator determines the other terms and conditions of stock appreciation rights, including when such rights become exercisable and whether to pay any increased appreciation in cash or with shares of our common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right will be no less than 100 % of the fair market value per share on the date of grant.

The policy loan provision stipulates the amount you can borrow against your cash value, the rate of interest, and other terms for policy loans.

Subject to the provisions of our 2010 Plan, the administrator determines the terms of stock appreciation rights, including when such rights vest and become exercisable and whether to settle such awards in cash or with shares of our common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right will be no less than 100 % of the fair market value per share on the date of grant.

Subject to the provisions of our 2013 Plan, the administrator determines the other terms of stock appreciation rights, including when such rights become exercisable and whether to pay any increased appreciation in cash or with shares of our common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right will be no less than 100 % of the fair market value per share on the date of grant.

Under the terms of the agreement, Alaska Air Group will acquire Virgin America for $ 57.00 per share in cash, representing a total equity value of $ 2.6 billion.

For each position, this compensation data was ranked within the Labor Market Peer Group by the aggregate amount of annual salary, annual target and actual incentive awards, plus the annualized grant date value of long - term cash and equity compensation.

Many small business owners turn to factoring as a useful short - term solution because it works extremely quickly — once you and the lender agree on the value of your receivables, you can receive the cash within one to two days.

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.

We argued that the market had experienced a multi-year process of de-rating, as stock prices languished while corporate cash flows and book values had multiplied, and had become inexpensive in absolute and relative terms.

In terms of taxation, the excess of the cash surrender value of the policy (plus any outstanding loans) over your basis in the contract is treated as taxable income.

While a decline in near - term commodity prices reduced our estimate of value due to lost interim cash flows, the stock's decline has significantly exceeded what we think is the true change in the company's underlying business value.

We look for management teams that seek to maximize a company's long - term business value by running efficient operations that emphasize free cash flow generation and wise capital allocation.

Recall that the core of our investment philosophy is the notion that value is a function of the present value of all cash flow streams, not news headlines, which often have little or no impact on the long - term viability of cash flow streams.

Travis Hoium (Pattern Energy Group): Long - term investors looking for value in energy don't need to look further than yieldcos who provide contract - protected cash flows for decades to come that will be paid in the form of a dividend.

When there is a significant discrepancy between the figures in the two tables, it is often due to: (i) differences in when long - term cash is accounted for; (ii) substantial changes in pension value or NQDCE; or (iii) companies granting long - term incentives for the year in review following the fiscal year end.

As you determine if an annuity may be right for you, remember that they are intended as vehicles for long - term retirement planning, which is why withdrawals reduce an annuity's remaining death benefit, contract value, cash surrender value and future earnings.

Since term life insurance policies don't have a cash value, this figure would be zero.

You won't see a rise in the value of your holdings with cash during a recession and if you're keeping it in fixed term accounts then it will be adversely affected by rate rises, same as bonds.

We believe that free cash flow growth, especially on a per - share basis, is most important to maximizing shareholder value in the long term.

Cash and net other assets, if any, represent the market value weights of cash, derivatives, and short - term securities in the portfoCash and net other assets, if any, represent the market value weights of cash, derivatives, and short - term securities in the portfocash, derivatives, and short - term securities in the portfolio.

Since term life insurance policies don't have a cash value, there would be no taxes associated with surrendering the policy.

While some defend the buyback practice as a method of returning cash to shareholders, others, including my colleague Larry Fink, have argued that some companies today are focusing on maximizing short - term shareholder value at the expense of investing in the future.

Term insurance also does not build cash value.

It is a very good idea to 1035 the term into universal life if the purpose of the permanent life insurance is for cash value accumulation and distribution.