Sentences with phrase «cost value of your policy»

For example, say your home insurance company includes in - ground pools in the replacement cost value of your policy.

For example, say your home insurance company includes in - ground pools in the replacement cost value of your policy.

Then, you set up a time to discuss premium price, cost value of the policy, and items to be covered.

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.

For Genworth, 2014 was a year of reckoning, as it wrote down the value of many long - term care policies whose costs its underwriting fees can't cover.

The value and cost of these policies depend on several factors: how the buyer chooses to pay premiums, how the market plays out and how the insurer calculates the death benefit.

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.

(2) Reflects 2015 Merger - related adjustments including the change to align Kraft to Kraft Heinz's accounting policy for postemployment benefit plans; incremental amortization resulting from the fair value adjustment of Kraft's definite - lived intangible assets; incremental compensation expense due to the fair value remeasurement of certain of Kraft's equity awards; and, certain deal costs related to the 2015 Merger.

This would make it a low - cost competitive economy — as long as it taxes the free lunch of the land's site - value rent that has been freed from debt, as well as natural resource and monopoly rents as a basis for its post-Clean Slate fiscal policy.

The cash value of a universal life insurance policy accumulates based on the amount of premium paid, monthly deductions for policy costs and an interest rate that is declared by the insurance company.

Basically, insurance companies sell two types of renter insurance namely; Actual Cash Value and Replacement Cost Policies.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

Today the cost of growth, at least of the growth that is attained by present policies, equals or exceeds the value of the growth itself.

Policy - makers are in the process of evaluating the economic value of antibiotics to the livestock industry versus the potential health cost of increasing antimicrobial resistance.

This policy is also flawed though, it has been deeply criticised for driving up the value of homes, it reduces individual ownership of their biggest asset and even with the reduced cost, in places like London, the mortgage payments remain high.

At the time he said within a short space of time, the Ghanaian worker will experience improved wages, reduced cost of living, increased job opportunities, with a value addition in industrialisation to create jobs with good pay across Ghana, while maintaining a safe and peaceful worker environment necessary for the progressive programmes and policies that the NPP have for the people of Ghana.

For many other environmental policies, the value of the averted CO2 is in fact smaller than the program costs.»

«The basic idea is that when you have costs or benefits from some sort of regulatory policy that will happen in the future, if you want to know the value today, the standard practice is to discount them by a certain degree,» he said.

Barring more big federal bailouts — which this year's election would seem to make ever less likely — school budgets are going to be strapped for years to come and cost - cutting, together with eking greater value out of the remaining dollars, is going to occupy the education - policy center ring.

Space limits an extended discussion here, but we note two conclusions from a 2012 article by Economic Policy Institute researcher Monique Morrissey, who explains that «the logical implication of Richwine and Biggs's [pension] position is that public employers and taxpayers would be indifferent between current pension funding practices and investing in Treasury securities, even though this would triple the cost of pension benefits» and that R & B «selectively alternate between the cost of benefits to employers and the value to workers, and inappropriately equate the latter with the often much higher cost to individuals of obtaining equivalent benefits.»

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.

Whole life and universal life policies build up cash value, consisting of the premiums you pay and the income those premiums earn, minus the cost of the insurance.

Permanent cash value life insurance policies cost much more than term, but also provide the added security of cash value accumulation.

Take advantage of our universal life insurance quote calculator online to get an estimate of monthly premium cost and projected cash values for a variety of policy riders.

Sometimes with replacement cost, you'll start with a check for the ACV and then be reimbursed for the difference as you replace the property.Effective Coverage offers replacement cost policies because no one wants to receive the actual cash value of their five year old couch.

A policy might replace or pay a rider the cash value of their stolen motorcycle, but that could mean an increase in the cost of premiums for a coverage that is already expensive relative to standard motorcycle insurance policies.

If you have an old car, however, the current cash value your policy pays might not be worth the cost of the premiums and deductible for the coverage.

With this program you incur only one set of closing costs — just one up - front appraisal based on value after construction, one title - policy, one underwriting fee, etc..

Some home insurance policies cover the replacement cost of a house, while others cover only the market value.

First, instead of buying higher - cost permanent policies that generate cash values, many individuals can stick with much lower cost term insurance.

Remember that the policy generally will cover replacement cost, so a claim would result in you being able to replace the property rather than just getting the depreciated value of your things.

As part of our core values, we firmly believe that every renter should know why Maryland Renters Insurance is important, what it covers, what it should cost, and other basic facts about the policy.

You need replacement cost coverage on your policy because you do nt» want to receive the actual cash value of, for instance, your couch.

Generally there is a small deductible on New Jersey renters insurance, and from that deductible on, your personal property is covered at replacement cost rather than actual cash value, up to the limits of the policy you've selected.

If they are destroyed in a fire, your homeowners insurance policy might only provide cash value, meaning that you would only be reimbursed what those items are worth today, not what it would actually cost you to buy new versions of them.

The actual cash value of your property might not amount to much, and that's why policies include replacement cost.

Basically, insurance companies sell two types of renter insurance namely; Actual Cash Value and Replacement Cost Policies.

The primary differences between the two policies are the cost, the duration of coverage, and that whole life insurance includes a cash value component.

If your policy covers the replacement cost value, then you'll receive an amount equal to the value of the unit when it was first purchased — including inflation.

If you're ever to get into financial trouble, universal life affords you the option to stop paying your premiums and use the cash value of your policy to cover that cost.

Now, if you have a replacement cost value policy, the insurer covers the cost of repairing or replacing the item at its current price.

Many storage policies reimburse only for an item's cash value at the time of loss, which may be less than replacement cost.

In the case of a juicer, you can ask to add a replacement cost value rider to an actual cash value policy to get reimbursed for the cost of a new juicer if it's damaged.

There is frequently a limit to the amount you can claim - usually 10 % of the replacement cost value of the home the policy covers.

With collision, you would only have to pay your deductible and, subject to your policy limits, we would pay the cost of repairs or actual cash value of the car if it's a total loss.

Given the high costs, these policies generally require that you take advantage of the cash value component of the account, or use the policy as a part of an estate plan, in order for the investment to make sense.

All these policies are significantly more expensive, easily 10 times the cost of term insurance, because they offer lifetime coverage and have a cash value component.

But if you pay the minimum, and the policy struggles because there are a few bad years in the beginning, you may find yourself down the road with too little cash value to compensate for the increasing cost of insurance associated with your age.

Most standard renters insurance policies include at least $ 100,000 in liability protection (in addition to personal property and loss of use coverage), which is good value for the cost of most renters policies.

In an indexed universal life policy (IUL), premiums are added to the cash value after subtracting for the cost of the death benefit and fees.