Sentences with phrase «future value premium»

Not exact matches

Even though in this example the December - 2016 futures contract is still $ 1 above the spot price, there is a profit to be had because the cost of storage plus the time value of money amounts to significantly more than the $ 1 / barrel futures premium.

Protection UL's guarantees, often to life expectancy and beyond, along with affordable premiums and cash value growth potential can help consumers replace lost family income and fund future expenses such as helping to pay for college or supplementing retirement savings.

The deal you're suggesting would be at least a 60 % premium, and up to 75 % — depending on how you value future picks.

As with other hybrids, the fuel savings (GM forecasts 48 mpg) may not pencil out against the cost premium using today's values, but insulating yourself from future fuel price volatility is a value to some.

Should the contract value be less than the greater of either one Lifetime Annual Payment or the minimum contract value, the death benefit reverts to traditional return of premium, and is reduced proportionately by all past and future withdrawals.

The costs to the homeowner include the upfront and annual insurance premiums, as well as a share of the equity created by the write - down associated with the HOPE for Homeowners mortgage and any future appreciation in the value of the home.

Index Arbitrage Meter, which shows you the extent of the premium (or discount) of the lead month futures price above (or below) its fair future value with respect to the index price.

Q: As more and more investors know the small cap value premium, do you think they will evaporate in the future?

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.

In addition, if cash value accumulation is a high priority for you, you can increase your regular premium payments or make additional unscheduled payments into your policy.5 Paying additional premiums provides you with the opportunity for greater cash value accumulation — which can then be used3 if needed in the future.

To illustrate the comparison of a convertible bond's price to its common stock price, we look at conversion parity, which is the value you would receive if converted to stocks today; the conversion premium, which is the amount the bond is trading above the conversion parity, or how much you would pay for the option to convert to stocks in the future; and delta, which measures the sensitivity of the convertible bond's price to changes in the underlying stock price.

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).

Do not use them for borrower qualification, MI eligibility, Agency acceptance, premium rates or amounts, monthly payments, home equity or future home value.

For MBIA, book value is adjusted to reflect the company's equity in unearned premiums, and for Forest City Enterprises, book value is adjusted to reflect the capitalized value of expected future rental income from credit - worthy tenants.

And how many more naïve innocents can we count on to generate a meaningful value premium in the future?

Just to play the devil's advocate, Bogle, Malkiel and Sharp appear to say that non-market cap weights in an index represent an attempt to tilt toward value and small cap stocks, and that proponents incorrectly assume the historical premiums on these sub-sectors will persist into the future (investors tend to arbitrage away excess profits once detected).

These net liabilities are calculated with an internal model using many scenarios to determine the fair value of amounts estimated to be paid, less the fair value of net future premiums estimated to be received, adjusted for risk and profit charges that the Company anticipates a hypothetical market participant would require to assume this business.

These liabilities are estimates of the present value of net amounts expected to be paid, less the present value of net future premiums expected to be received.

The H portfolio is considered the value portfolio because high book value relative to a market value implies the stock is inexpensive, and the L portfolio is called the growth portfolio because, presumably, investors must be paying for future growth if they are paying a relatively high premium to book value.

An amount equal to the sum of all the future Modal Premiums will be instantly credited to the Fund Value

USO also invests in oil via futures contracts and as such suffers from having to pay a premium for the time value of the contract, this is known as cantango.

If you pay a $ 1000 premium and $ 500 is added to your cash value, you are allowed to withdraw that $ 500 again in the future without being taxed.

A non-forfeiture option in which the cash surrender value is used to purchase paid - up insurance with no future premiums payable.

Keep in mind that taking money from your policy will immediately reduce the cash value and death benefit, and can lead to the need for additional premiums to be added into the policy in the future.

However, if you are planning to apply for a premium Chase Ultimate Rewards card, such as Sapphire Preferred or Ink Plus in the near future, you should wait until you're able to use the points for airline transfer, which can offer you a much higher value.

Any effective pricing mechanism for a future regional interconnected grid needs to apply discounts or premiums to the various energy sources available reflecting their marginal value in meeting fluctuating demand.

For Future Generali Wealth Protect, some premium allocation charge is levied on the fund value and policy administration charge is not applicable.

The acceleration amount is also reduced by the present value of unpaid future premiums.

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.

Key factors in determining the market value of a policy are the death benefit, the cost of future premiums, and the life expectancy of the insured.

It gives them guaranteed insurability, so no matter what may happen with their health in the future, they can always keep this protection.1 Starting early makes sense because the younger the children, the lower the premium and the sooner it starts growing in value.

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.

You can use that value to pay the premiums for your coverage to secure a loan if you need money in the future.

A contract meets the cash value accumulation test of this subsection if, by the terms of the contract, the cash surrender value of such contract may not at any time exceed the net single premium which would have to be paid at such time to fund future benefits under the contract.

Remember when comparing an older policy to a new one, the number of additional years the premium is guaranteed into the future may represent an enhancement of value.

Some policyholders can even choose to pay future premiums straight from the cash values in future years so that the policy becomes self - sustaining.

You can use the value of the plan to pay the premiums of the life insurance, or you can use it to secure a loan if you ever need it in the future.

Term insurance generally has lower premiums but does not build up cash value that you can use in the future.

The Wealth Protect Plan from Future Generali Life Insurance provides guaranteed loyalty addition at maturity in addition to fund value in addition to a high cover that can be up to 30 times the annual premium amount.

Furthermore, all future premiums are waived off and are paid for by the company as and when they accrue and on maturity, the Fund Value is paid.

Is it useful to you to have the ability to use your cash value to offset premium payments in the future?

Edelweiss Tokio Life child plans help you plan your child's future, and also have a comprehensive death benefit that pays not only a lump sum amount to your family, but also waives off future policy premiums, thereby protecting the maturity value that you had planned for your child.

Flexible Bonus Option — it allows you to choose from a few bonus options — Bonus paid in cash, Premium Offset — Bonus declared is used to offset future premiums payable, paid up Additions — in this case, bonus declared is used to purchase additional sum assured, which helps to boost the maturity value through power of compounding.

Moreover, all future premiums are waived off and the total of such premiums is credited to the Fund Value which grows for the remaining tenure.

All future premiums are waived off and paid for by the company under the Additional Savings Benefit, an amount equal to an annual premium is paid every year till the end of the term under the Income Benefit and on Maturity, total Fund Value including the top - up Fund Value which was automatically allocated to the Secure Fund on death is paid

Keep in mind that taking money from your policy will immediately reduce the cash value and death benefit, and can lead to the need for additional premiums to be added into the policy in the future.

The policy value is either the present value of the basic sum assured plus the bonuses given, less future premiums (for conventional contracts) or the bid value of a unitised with - profits policy.

The future premiums are waived off and added to the Fund Value.

Some companies will even allow you to use the accumulated cash value to pay future premiums, effectively using the life insurance policy itself to pay its own premiums.

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).