Sentences with phrase «cost value policies»

Actual cost value policies have lower premiums and can save you money on a monthly basis.

Replacement cost value policies generally cost more than actual cash value policies.

There are premiums that are paid each month; there are deductibles that have to be met before the insurance kicks in; there are coverage limits; and there's a distinction between replacement cost value policies and actual cash value policies.

Because replacement cost value policies tend to pay out more (since they aren't based on depreciated value), they also tend to cost more than actual cash value policies.

Because replacement cost value policies tend to pay out more (since they aren't based on depreciated value), they also tend to cost more than actual cash value policies.

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

If you think you need more protection against their loss and are willing to pay for it, a replacement cost value policy might be worth your while.

However, an actual cash value policy is cheaper than a replacement cost value policy by about 10 % according to the Insurance Information Institute.

Outside of coverage amount, the big choice when it comes to renters insurance involves opting for either an actual cash value policy or replacement cost value policy for your personal items.

If you think you need more protection against their loss and are willing to pay for it, a replacement cost value policy might be worth your while.

A replacement cost value policy reimburses you for your stuff based on how much it will cost to repair or replace the items at today's prices.

A replacement cost value policy pays for the full cost to repair or replace your item (s).

If you have a replacement cost value policy renters insurance policy, for instance, you're covered for the cost of repairing or replacing the item at its current price — no need to worry about depreciation.

[2] For example: when a television is covered by a replacement cost value policy, the cost of a similar television which can be purchased today determines the compensation amount for that item.

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.

Last week, Olive Garden's parent company Darden Restaurants got heat from New York hedge fund Starboard Value, which charged that an overly liberal breadstick policy was costing the company as much as $ 5 million a year.

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.

In addition, you must carefully monitor the cash value, since costs can increase or the policy may not achieve its projected returns.

(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.

While the policy allows for access to the account value in the short - term, through loans and withdrawals, there are costs and risks associated with those transactions.

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.

PNC Investments can provide you with a no - cost policy review to help confirm you're receiving the best possible value.

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.

«Policymakers should also consider more clinically nuanced cost - sharing policies that take medication value into account, rather than subjecting all specialty drugs to high cost sharing.»

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.

On pensions, the issue is the cost to taxpayers (i.e., the employer's costs) rather than a speculative value to an individual (R & B's approach), because the policy context is state and local budgets.

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.»

Such a move exposes the government to less risk, and thus reduces the cost to taxpayers (using fair - value accounting practices that take into account the relative risk imposed on taxpayers by different policies).

Most standard auto policies won't pay to fix a car if the repairs cost more than its cash value.

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.

We hope you find the free universal life insurance quote online calculator useful in narrowing down the monthly premium costs, projected cash values, and policy riders that fit.

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.

Almost everyone insures their home, but industry statistics show that many people do not get the maximum value from their policy, because they do not insure the home for its full replacement cost.

Policies can be written to pay claims at Actual Cash Value or Replacement Cost.

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.

While term life insurance doesn't accrue a cash value over time, meaning you can't borrow against it, a term policy has a low cost by comparison and is still customizable to an individual's situation.

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.