Sentences with phrase «future cash value of the policy»

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.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

A term life policy has lower premiums than a cash value poilcy of the same amount; however, it does not build up cash values that can be used in the future.

If you're thinking of buying a cash value life insurance policy, ask your agent or company for a sales illustration, which is a computer projection of future premiums, cash values and death benefits based on the current dividend scale (whole life) or current interest rates and current costs of insurance (universal life).

* Disciplined repayment of policy loans is highly recommended under all infinite banking programs, because this is essentially to maintaining momentum and maximizing ongoing cash value growth for future security and investment.

For example, if you buy a UL policy in times of high interest rates, your cash values may accelerate rapidly, outperforming your original expectations, and allowing you to pay less in premiums in future years.

Dividends can be received as cash, left on deposit to gather interest, or used to pay future premiums or to increase the value of your policy.

If purchasing a permanent life insurance policy, the savings in the cash value portion of the policy can also be used for funding future goals such as college savings.

Also, if the coverage is convertible (the coverage can be «converted» to a comparable cash value policy, without the need to provide evidence of insurability), you can get the coverage you need today — with the ability to obtain permanent coverage in the future.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

Similarly, the cash value in your current policy may also be enough to pay the premiums for a number of years into the future, but that, too, will erode the death benefit over time, as the loans to pay premiums accumulate with interest (if you were not paying some or all of those amounts back to the insurance company).

An easy way to save: Because a permanent policy accumulates cash value, it's an effortless way to save funds for future use, and have peace of mind in a worst case scenario.

The cash value of the policy can help build additional savings for the future.

With that in mind, the cash value in a permanent type of policy — which is allowed to grow and compound tax - deferred — may be earmarked for supplementing retirement income in the future, and / or for ensuring that a child or grandchild's college education is paid for.

Affordable coverage for your entire life Level, fixed premium rates that will never change Building of cash value on a tax - deferred basis Access to policy's loan value1 through policy loans and withdrawals, if needed An option as part of your estate planning / funeral expenses The comfort that comes from knowing that you have secured the future for those counting on you

Under Access Plus, New York Life pays the future required premiums and may be able to offer a lump sum of cash to you in excess of your policy's cash value.

The cash value of an insurance policy can grow into a small «nest egg» for the future, as well as a potential source of ready cash should you need to borrow against the policy.

He will be able to pay the same $ 200 monthly premium for his entire life, while potentially taking out loans against the cash value of the policy down the road to cover the cost of future premiums.

While not to take the place of a savings account, some permanent insurance products have a cash value component that accumulates interest which can be used, via surrendering the policy or borrowing against it, for future expenses such as medical bills; however, the value grows more slowly than a typical investment plan and if you don't repay the policy loans with interest, your death benefit will be reduced.

* Disciplined repayment of policy loans is highly recommended under all infinite banking programs, because this is essentially to maintaining momentum and maximizing ongoing cash value growth for future security and investment.

This cash value gains interest overtime and may be borrowed from or used to subsidize the cost of the life insurance policy in the future.

The cash value of an insurance policy is the portion of the life insurance that the policyholder can use in many ways, like investing it to yield interests in the future or using it as a premium payment.

If at any time in the future you should find yourself in need of cash you may take a loan from the «loan Value» of the policy.

If you own a universal life insurance policy that has «cash value» or «cash accumulation,» you are at risk of being put in an extremely unfavorable position sometime in the foreseeable future.

Depending on the type of life insurance you purchase, you may build up cash value inside your policy from which you can take a loan in the future, if needed.

What isimportant is the current cash surrender value of the policy, available loan amount, interest rate on said loan, type of policyyou own, and your future plans to either pay back the loan or not.

An inspection of the projected cash values in future years should make it possible to identify the policy with the highest cash values and, therefore, to determine which is the best purchase.

Life insurance may provide just basic death benefit protection (i.e. term life insurance) or it may provide a death benefit with an equity value, called a cash value, which is a cash reserve that builds up against the death benefit of the policy to cover the costs associated with paying out the future death benefit claim..

Term didn't have cash value but had a guaranteed level premium for a certain period (term) and almost always had a conversion privilege that allowed the insured to convert all or part of the policy to some permanent plan in the future without evidence of insurability.

Surrender value of Future Generali Wealth Protect and IndiaFirst Cash Back Plan is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Premiums can be flexible, and once you have accrued some cash value you can even use the cash value of the policy to make future premium payments if necessary.

Surrender value of Future Generali Pension Guarantee and IndiaFirst Cash Back Plan is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

Surrender value of Future Generali Superannuation and Group Gratuity Cash Accumulation is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Future Generali Group Superannuation Plan and LIC New Group Gratuity Cash Accumulation Plan.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Future Generali Group Superannuation Plan and LIC New Group Superannuation Cash Accumalation.

Surrender value of Bajaj Allianz Future Gain and IndiaFirst Cash Back Plan is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Bajaj Allianz Future Gain and IndiaFirst Cash Back Plan.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Birla Sun Life Future Guard Plan and Reliance Smart Cash Plus Plan.

Surrender value of BSLI Future Guard and Smart Cash Plus is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Shriram Cash Back Term and Future Generali Pearls Guarantee.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Birla Sun Life Future Guard Plan and LIC New Group Superannuation Cash Accumalation.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for IndiaFirst Cash Back Plan and Future Generali Bima Advantage Plus.

Surrender value of BSLI Future Guard and Superannuation Cash Accumalation is the amount of money that will be provided by the insurance company in case you want to surrender the policy before maturity.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Future Generali Assured Income and Shriram Cash Back Term.

One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for Future Generali Saral Bima and Shriram Cash Back Term.