Sentences with phrase «cost of actual life»

The advantages of EIUL or equity indexed universal life are that the components of 1) admin costs, 2) cost of actual life insurance, and the cash value are all segregated so you can see how they are growing and what you'll need to earn in order to pay for your cost of life & admin each year.

Not exact matches

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its products from other brands; the consolidation of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; failure to successfully integrate the Company; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives that the Company uses; exchange rate fluctuations; disruptions in information technology networks and systems; the Company's inability to protect intellectual property rights; impacts of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's dividend payments on its Series A Preferred Stock; tax law changes or interpretations; pricing actions; and other factors.

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements of the Company's consolidated financial statements; and other factors.

Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its products from other brands; the consolidation of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; failure to successfully integrate the business and operations of the Company in the expected time frame; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives that the Company uses; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's inability to protect intellectual property rights; impacts of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; tax law changes or interpretations; and other factors.

Many factors could cause BlackBerry's actual results, performance or achievements to differ materially from those expressed or implied by the forward - looking statements, including, without limitation: BlackBerry's ability to enhance its current products and services, or develop new products and services in a timely manner or at competitive prices, including risks related to new product introductions; risks related to BlackBerry's ability to mitigate the impact of the anticipated decline in BlackBerry's infrastructure access fees on its consolidated revenue by developing an integrated services and software offering; intense competition, rapid change and significant strategic alliances within BlackBerry's industry; BlackBerry's reliance on carrier partners and distributors; risks associated with BlackBerry's foreign operations, including risks related to recent political and economic developments in Venezuela and the impact of foreign currency restrictions; risks relating to network disruptions and other business interruptions, including costs, potential liabilities, lost revenues and reputational damage associated with service interruptions; risks related to BlackBerry's ability to implement and to realize the anticipated benefits of its CORE program; BlackBerry's ability to maintain or increase its cash balance; security risks; BlackBerry's ability to attract and retain key personnel; risks related to intellectual property rights; BlackBerry's ability to expand and manage BlackBerry ® World ™; risks related to the collection, storage, transmission, use and disclosure of confidential and personal information; BlackBerry's ability to manage inventory and asset risk; BlackBerry's reliance on suppliers of functional components for its products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board and management changes and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects and vulnerabilities in BlackBerry's products; risks related to litigation, including litigation claims arising from BlackBerry's practice of providing forward - looking guidance; potential charges relating to the impairment of intangible assets recorded on BlackBerry's balance sheet; risks as a result of actions of activist shareholders; government regulation of wireless spectrum and radio frequencies; risks related to economic and geopolitical conditions; risks associated with acquisitions; foreign exchange risks; and difficulties in forecasting BlackBerry's financial results given the rapid technological changes, evolving industry standards, intense competition and short product life cycles that characterize the wireless communications industry.

Due to potentially - large oscillations in the desire to hold cash and to the fact that changes in the money supply can take years to impact the cost of living, this theoretical rate of purchasing - power change will tend to be inaccurate over periods of two years or less but should approximate the actual rate of purchasing - power change over periods of five years or more.

(Miller follows the advice of sympathetic economists and his own businessman's instincts to argue that raising the statutory minimum wage to an actual living wage would cost too many jobs.)

The model incorporated data from peer - reviewed studies, actual hospital costs, and utilities to quantify health - related quality of life.

Assemblyman Pete Lopez, a Republican from Schoharie County, said that lawmakers were due an increase in pay to reflect the higher cost of living since 1998 and the actual expense of doing the job.

The report focuses on families and individuals caught in the gap between the federal poverty level and the actual cost of living in New York State and Ulster County.

For 2012 - 13, inflators like cost of living adjustments will be kept flat and reforms will be introduced to ensure that spending increases in future years reflect performance and actual cost.

This leads to grants that may well meet the needs of young scientists within the country, but that hardly ever covers the actual costs for parents living abroad.

The foundation amount was never based on the actual cost of educating a child, nor does the poverty weight reflect the true added cost of educating students living in poverty.

The expenses must be less than or equal to the room and board allowance from the college's cost of attendance figures (or the actual amount charged by the school if the student is living on campus) in order to be considered as qualified expenses.

The annual cost - of - living adjustment — known as the COLA — doesn't reflect the actual cost increases you are obligated to pay.

Actual closing costs and pre-paid items can easily range from about 2 % to 8 % of the sale price of a home, depending on where you live, and the purchase price of the home.

If you look at the above graph and compare the blue line (the cost of life insurance on a yearly basis) with the white line (permanent insurance, premiums level for life), you'll see that in the early years, the whole life premiums far exceed the actual cost of insurance — the company is taking in premiums far higher than they need.

The actual increase in the cost of living for one month over the previous month can not be calculated from the annualized increase in cost over the entire previous year.

The actual cost of life insurance depends on a number of factors, including where you live, your age, your health and health history, your financial history and your hobbies.

For example, a common arrangement is for the employee to pay the cost of term insurance relative to the policy and if the policy is permanent life insurance, such as a cash value life insurance policy OR indexed universal life, the cost of term may be substantially less than the actual cost paid by the employer.

Rent, car and bills cost me 2500 per month (I live in a city and prefer not to live in a neighbourhood where I could be stabbed or shot when getting out of my car), then the 300 loan payment leaves me with about 90 dollars left over (calculating actual funds (net income), after taxes) and my cats need food, too... let me tell you, it's not fun.

While the love of a pet is priceless, the actual cost of caring for an animal is often prohibitive, forcing many San Diegans in need to make the life - changing decision of relinquishing their pet to a shelter.

When considering actual costs, the inconvenience of twice daily pilling a cat for life, adverse effects of the medications, progressive cardiomyopathy that we can't resolve with medicine, and considering we are merely suppressing the disease and not curing it, medical management is rarely the best option for treating hyperthyroidism.

Calculations often assume 20 or 30 years when no one has experience with actual life of todayís wind turbines or their O&M, repair and replacement costs over 20 - 30 year periods.

Maybe we will be organised in ways that lower the cost of living so we will have a greater proportion left over in actual disposable income, most of the time.

Without full cost of living protection (automatic increases to match the actual rate of inflation), the purchasing power of benefits drops and injured workers» poverty rises.

There are three basic factors for how much term life insurance for people over 50 will cost which includes your actual age, health and size of the benefit.

Below is a comparison of actual policy costs of FEGLI coverage versus a competitively priced 10 - year guaranteed level term life insurance policy that can be purchased in the open marketplace.

Actual cost may be changed by the Prudential Life Insurance Company of America each plan year.

Below is a comparison of actual policy costs of the AICPA Plan verses a competitively priced 10 - year guaranteed level term life insurance policy that can be purchased in the open marketplace.

To see the actual cost difference between ordinary term life and ROP term see, «Compare Level Term and Return of Premium Term Life.&ralife and ROP term see, «Compare Level Term and Return of Premium Term Life.&raLife.»

Ambulance Costs: If during the tenure of the insurance plan, the insured person sustains any bodily injury which is life threatening then the company will pay the actual ambulance costs up to the total sum insCosts: If during the tenure of the insurance plan, the insured person sustains any bodily injury which is life threatening then the company will pay the actual ambulance costs up to the total sum inscosts up to the total sum insured.

For example, if the life expectancy of your roof is 20 years and your roof is 15 years old, the cost to replace it in today's marketplace is going to be much higher than its actual cash value.

Actual cash value is computed by subtracting depreciation from replacement cost while depreciation is figured by establishing an expected lifetime of an item and determining what percentage of that life remains.

That means when a premium is paid, a portion of the premium pays the actual cost of life insurance, and the remainder of the premium is applied to a sort of built - in savings account in the policy known as the cash value.

If you look at the above graph and compare the blue line (the cost of life insurance on a yearly basis) with the white line (permanent insurance, premiums level for life), you'll see that in the early years, the whole life premiums far exceed the actual cost of insurance — the company is taking in premiums far higher than they need.

What are the actual costs of waiting to buy life insurance?

This example is based upon an actual whole life illustration with expected dividends and a $ 4,000 annual premium compared with the cost of purchasing a 30 year level term policy with a $ 400 premium.

Because whole life premiums in the early years are higher than the actual cost of insurance, the build - up of the cash value in the policy reduces the risk to the insurance company, allowing for lower premiums in later years than would be paid in a term life policy.

While the actual cash value of your living room furniture is going to hundreds or thousand less than your paid for it, due to use and depreciation, the replacement cost may be higher.

At the bottom of this page there are links to more information on actual low cost life insurance policies.

And, most people over-estimate the actual cost of life insurance by 200 % or more.

If the underlying mortality assumption is too low, a life insurer may underestimate the actual cost of insurance and may have to pay out more death benefit claims than it had forecast.

80 % of consumers over-estimate the actual cost of life insurance rates.

Your actual cost of life insurance is based on several factors, including the type and amount of life insurance you buy.

Term insurance, based on the IRS» interim table of one - year term premiums for $ 1,000 of life insurance protection (Table 2001 rates), which may be at a lower cost than the actual cost of the coverage, particularly if the employee has health issues or is rated.

Some studies indicate that people under age 35 estimate the cost of their life insurance to be 2 - 3 times higher than the actual cost of coverage.

In the following article, we've explained the pros and cons of guaranteed issue life insurance and provided some actual monthly rates by age and gender to help you estimate the cost of your policy.

The User agrees at his own expense to indemnify, defend and hold completely harmless Exide Life, its directors officers, employees and advisors to the fullest extent from all actions, suits, claims, proceedings, costs, damages, judgments, amounts paid in settlement and expenses (including without limitation attorneys fees and disbursements at actuals)(collectively «Loss») relating to or arising out of a breach by the User of the Terms of Use relating to this website or arising out of or in connection with the particulars, personal details, representations or warranties given by a User or arising from any other conduct of a User in relation to the use or access of this Website as a result of which, in whole or in part, Exide Life is made a party to, or otherwise incurs any Loss pursuant to, any action, suit, claim or proceeding arising out of or relating to any such conduct.

Below we've provided some actual life insurance rates by age and gender for Gerber's guaranteed issue insurance product to help you estimate the cost of your policy.