Sentences with phrase «earned on the cash value»

However with universal life the interest rate earned on the cash value is subject to change, whereas it is fixed with whole life insurance.

The cash value held in a life insurance policy is determined by subtracting the cost of insurance and other charges levied by the insurance company from the total amount of premiums paid plus any interest or capital appreciation earned on the cash value.

Poor investment choice as the interest you earn on the cash value may be lesser than other available investment alternatives.

Therefore, as an example, if the index that is being tracked by the policy returns 11 % for a certain time period — and the annual cap on the policy is 10 % — then the most that the policy holder will earn on the cash value component for that year will be 10 %.

As we mentioned, the interest you earn on the cash value may fluctuate and fall.

Not exact matches

Ultimate Rewards (earned from the Sapphire Reserve / Preferred) can be used at a fixed - value when booking through UltimateRewards.com but can also be worth more when transferring to travel partners like Hyatt or United where you pay a fixed number of points in those programs which are not dependent on the cash cost of that room / flight otherwise.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the Rewards Points, you may pay more in fees and interest than the value of the Rewards Points you earn if you do not pay your bill in full each month.

If a company fails to fulfill its obligations to its preferred shareholders, its common shareholders will have no prospect of earning cash flows on their investments, and therefore their shares — their pieces of paper — won't carry value.

Week 14 value plays earned +1.39 units (Sunderland +239 vs. Leicester cashed, Man City / Chelsea Draw +254 did not) and are now up +11.31 units on the season (37 picks, 30.6 % ROI).

However, most parents don't have the funds to lavishly decorate their child's bedroom, nor should you spend your hard - earned cash on furniture, bedding and decor that has inflated mark - ups and little long - lasting value.

You'll earn a small amount of interest on the cash value.

Be honest with yourself, however, because while travel points and cash are great, paying practically any amount of interest on a balance will negate the value of the rewards you may earn.

Airline credit cards may offer an equivalent cash value of from 1 to 5 cents per mile you earn, but it's difficult to consistently quantify the value because award flights and availability are dynamic - always changing based on demand, flight prices, routes and other factors.

With IUL policies, the cash value is applied to the policy's fixed account, where it will earn interest based on what Pacific Life is currently offering.

The Walmart credit card, for example, offers cash rebates that rise in value as your spending on the card increases, while the Best Buy credit card has a reward program that earns rewards back on all Best Buy spending.

Of course, this simplified view ignores the utility and value that Korean Air passengers may place on the VIP lounge access, but consumers should also consider the value of other non-Korean Air spending that they're missing out on that they would have otherwise been able to earn with theCiti ® Double Cash Credit Card.

If that index performs well, you have an opportunity to earn a higher return on your cash value based on the IUL's participation rate and cap rate.

Rather, the policy acts as a forced savings plan that accumulates money in a tax deferred account that you can THEN use to invest with, as you purchase other income producing assets, at the same time as earning interest and dividends on the cash value in your policy!

The value of the rewards you can earn depends on your categorical spending as well as the reward types that are acceptable to you (e.g. points may be worth more when redeemed for travel than when redeemed for cash back).

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.

With many cards it's possible to earn a greater reward value on your earned points when redeeming them for travel than when redeeming them for cash back.

Remember, these are all cards that let you earn cash value rewards, with no restriction on where you spend the rewards, unlike travel points.

The cash value account earns a modest rate of interest, with taxes deferred on the accumulated earnings.

However, it also doesn't build up cash value, so you won't be earning money on your payments.

As you continue to pay premiums on the policy and earn more interest, the cash value grows over the years.

the dollar amount of all interest earned on government and corporate debt obligations and short - term certificates of deposit, as well as interest earned from cash in a brokerage account; for bond ladders it represents the estimated annual income that will be received from the securities that make up the rung; the income is calculated by multiplying the coupon rate by the quantity of bonds (face value)

Self insuring is not a good plan considering the leverage you get with life insurance, the tax benefits, and the ability to earn true compound interest on your cash value.

In choosing this card, you do sacrifice the opportunity to earn air mile rewards on shopping; but less frequent travelers, as well as less frequent shoppers, who are looking for ways to earn cash back just by going about their daily routine will get a lot of value out of the OCBC 365 Credit Card.

The cash value typically grows over time and often earns a rate of interest, depending on the type of policy.

This has been termed «borrowing from yourself,» and while the interest you pay on such loans actually goes to the insurance company, the fact that your remaining cash value continues to earn interest does make the process similar to being your own «banker.»

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the Rewards Points, you may pay more in fees and interest than the value of the Rewards Points you earn if you do not pay your bill in full each month.

While the insurance company does charge interest on your loan, because your remaining cash value continues to earn life insurance dividends, the adjusted interest rate on the loan can often be lower, sometimes much lower, than you would pay on a comparable personal loan from a bank, home equity line of credit, or by using a credit card.

Over time, as you pay premiums on the policy and continue to earn interest, your policy builds a cash value.

A great benefit of paying over a limited time is that you invest a greater amount in the cash value portion of the policy early on, meaning you earn higher returns over the length of coverage.

Universal life also earns cash value based on an interest crediting rate.

Value investing strategies based on stock's book - to - market, dividend yield, earning - to - price, cash flow - to - price, and leverage - to - price grew $ 1 into $ 115.98, $ 81.88, $ 433.86, $ 281.49, and $ 6.62 respectively, while the aggregate stock market turned $ 1 into a mere $ 2.76, in the 1980 — 2011 period.

You will only earn the additional 1 % Cash Back (for a total of 2 % Cash Back) on the first $ 3,000 of Qualifying Purchases of Groceries made each calendar year (maximum value of Cash Back on Qualifying Purchases of Groceries each calendar year is $ 60.00).

So if your portfolio does well, the earnings on the cash value of your policy may exceed what you would have earned through a standard UL.

You will only earn the additional 4 % Cash Back (for a total of 5 % Cash Back) on the combined first $ 3,000 of Qualifying Purchases of Gas and Qualifying Purchases on Military Bases made each calendar year (combined maximum value of Cash Back on Qualifying Purchases of Gas and Qualifying Purchases on Military Bases each calendar year is $ 150.00).

The card offers 1.5 % cash back everywhere you shop, which is better than the 1.5 points per dollar spent that you earn through the PenFed Pathfinder Rewards American Express Card since the points vary in value depending on the redemption option.

The Capital One ® Spark ® Cash for Business's 2 % cash back on all purchases has value over the rewards earned through the Alaska Airlines Visa ® Business Card because they can be applied to all purchases and it's easy to optimize rewaCash for Business's 2 % cash back on all purchases has value over the rewards earned through the Alaska Airlines Visa ® Business Card because they can be applied to all purchases and it's easy to optimize rewacash back on all purchases has value over the rewards earned through the Alaska Airlines Visa ® Business Card because they can be applied to all purchases and it's easy to optimize rewards.

The total profit earned on the property from cash flow, mortgage principle repayment and the property value appreciation all result from your initial $ 25,000 investment that helped you secure a mortgage on the property.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

With IUL policies, the cash value is applied to the policy's fixed account, where it will earn interest based on what the company's declared rate.

While few cash back cards on the market can compete with the 10 % discount offered by the mymaurices VIP Credit Card, the fact that you can only earn that 10 % on Maurices purchases limits its value fairly significantly.

The value of cash - back rewards are the easiest to calculate, and many cash - back credit card issuers list the total cash - back rewards that you've earned during the last year on your statements or elsewhere in your online account.

Then, as the mini-policies earn dividends, you can use those to purchase more paid - up additions, and so on, allowing your cash value account to quickly compound.

You will get some downside protection because of the intrinsic value of the in - the - money options you're selling and you should be able to earn significantly more yield than what interest on cash pays.

If you don't mind tracking a rotating group of bonus categories every quarter and tailoring your spending, you could potentially get a substantial amount of value out of this everyday cash back card; but if you don't regularly spend on the categories that earn 5 percent cash back, you won't earn much of a return.

Ultimate Rewards (earned from the Sapphire Reserve / Preferred) can be used at a fixed - value when booking through UltimateRewards.com but can also be worth more when transferring to travel partners like Hyatt or United where you pay a fixed number of points in those programs which are not dependent on the cash cost of that room / flight otherwise.