Sentences with phrase «include policy loans»

Living benefits include policy loans, the right to make collateral assignments, and, in some cases, the right to take benefits in the event of the insured's terminal illness.

In addition, both policies accumulate cash value., which can be used for many different things, including policy loans, withdrawals, paying premiums, paying off debt, infinite banking, etc..

Not exact matches

Between 2008 and 2012, the federal government implemented a handful of ad - hoc policies meant to deter poorer households from taking on excessive debt, including the reduction of the maximum amortization period for government - backed home loans to 25 years from 40 years.

Those policies include giving access to free land to select businesses (there is no land ownership in China), offering below - market loans, the near total lack of environmental standards, and policies that suppress wage growth.

On the legislative and policy front, Bill C - 11 has passed the committee stage and seems likely to race toward royal assent by the summer, last week's unveiling of the telecom policy (including policies on the forthcoming spectrum auction and foreign ownership) puts to rest a major issue associated with the digital economy strategy, the CRTC recently published its final anti-spam regulations with Industry Canada expected to follow with theirs shortly, the open government initiative has been making considerable progress, and Government House Leader Peter Van Loan told the House of Commons on Thursday that Bill C - 12 (the PIPEDA reform bill) may finally move forward next week.

Rises in other indicator rates on loans to small businesses have, on average, tended to be larger than this as some banks have raised some rates independent of monetary policy moves (including by some banks to recoup the costs of the GST).

To compensate for this lack of «real address», lenders use dummy information based on probable loan data including sample purchase prices, sample real estate tax bills common for the area, and sample homeowners insurance policies and / or homeowners association assessments, where applicable.

Finally, if the loan is bundled, Fannie and Freddie make a secondary sale by offering this security to investors and providing an insurance policy against losses on loans included in the security.

Before joining DFAIT, he worked at the Department of Finance, including from 1983 - 1990 with the Financial Sector Policy Branch where he served as Project Director, Financial Institutions Reform Project, and chaired the Inter-Departmental Legislative Review Committee, which guided the development of the 1992 reforms that overhauled the federal financial institutions statutes (the Bank Act, the Insurance Companies Act, the Trust and Loan Companies Act and the Cooperative Credit Associations Act).

Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as annuities, pension plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...

Clear majorities of the beneficiaries of submerged social policies — including tax deferred savings, lifetime learning tax credits, student loans, and child care tax credits — claimed that they had never used one.

The plan, detailed in an 18 - page report prepared by the minority Democrats» Policy Group, includes proposed tax benefits for employers who offer student loan assistance, expansion of state tuition assistance programs and implementation of different student readiness metrics used to determine whether students must take remedial courses.

Other policy tools used by the Federal Reserve System include increasing or decreasing the discount rate charged on loans it makes to commercial banks and raising or lowering reserve requirements for commercial banks.

Before that, he spent six years at The Kentucky Higher Education Assistance Authority in various roles, including manager of policy and client services, executive office adviser and loan market services supervisor.

Overwhelming numbers of California voters supported many of the same policy solutions as school districts, including loan forgiveness and service scholarships, mentoring and support for recently hired teachers, and expanding residency - type programs.

Furthermore, overwhelming numbers of voters supported many of the same policy solutions as school districts, including loan forgiveness and service scholarships to incentivize new teachers to enter the field (85 %) and mentoring and support for recently hired teachers to increase their retention (90 %).

The Department of Education's responsibilities include gathering data to assess how well certain programs and grants are working, awards Pell grants federal financial aid through loans and provides oversight over state policies to prevent discrimination.

Some of the important points of his privatization policy of student loan industry include:

The Participating Lender's policy, including the additional charges you will incur are detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan documents.

The Participating Lender's policy, including the additional charges you will incur, is detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign the loan.

The Participating Lender's policy, including the additional charges you will incur, are detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign for the cash advance.

Other provisions on this progressive policy include reduced student loan interest rates by half, federal refinancing eligibility, simplified financial aid application process, and expansion of the federal work - study program.

May include a loan processing fee, title insurance policy (varies depending on loan amount), appraisal fee or plat map, as - built survey, and an escrow closing fee (for purchases only; varies depending on loan amount).

Such reforms included the Bank on Students Emergency Loan Refinancing Act as well as default prevention policy.

This commitment usually will state the loan terms that have been approved (including loan amount), how long the commitment is valid, and the lender's conditions for making the loan such as receipt of a satisfactory title insurance policy protecting the lender.

Some life insurance may offer death benefit options, including: a specific benefit that does not vary; a face amount plus the policy value; or the face amount plus premiums paid less withdrawals and loans.

To set the stage for this Top 10 guide... OUR best dividend paying whole life insurance companies article includes some «stand out» companies that offer advantageous platforms for maximizing cash value accumulation while simultaneously allowing flexibility for taking policy loans on life insurance further enhancing ongoing policy performance.

The term «proceeds and avails», in reference to policies of life insurance, includes death benefits, accelerated payments of the death benefit or accelerated payment of a special surrender value, cash surrender and loan values, premiums waived, and dividends, whether used in reduction of premiums or in whatever manner used or applied, except where the debtor has, after issuance of the policy, elected to receive the dividends in cash.

• The following are included in annual income to qualify for an RHS guaranteed loan: − Gross amount of wages, salaries, overtime pay, commissions, fees, tips, bonuses and other compensation for personal services of all adult members of the household − Net income from the operation of a farm, business or profession, interest, dividends and other net income of any kind from real or personal property − Payments from social security, annuities, insurance policies, pensions, unemployment, workers compensation, alimony and / or child support and other types of periodic receipts.

It simply means that the policy will continue perform normally, including the payment of dividends at FULL rates, regardless of the amount policy loans owed.

Most advisers request any and all information about every account, loan, asset, insurance policy, annuities, income from all sources, and much more including copies of income tax returns.

Some of the incidents of ownership may include rights: (1) to cash - in the policy, (2) to receive a loan on the cash value of the policy, and (3) to change the beneficiary designation.

This occurs when the total amount taken from the policy including loans and withdrawals is greater than the amount you contributed, i.e. your «basis» in the policy.

After a hurricane hits, if you didn't have renters insurance to protect your valuables, or you lost additional items that weren't included in your renters policy, you may be eligible for a low - interest disaster assistance loan of up to $ 40,000 to repair or replace items including clothing, furniture, cars, and appliances that were lost or destroyed in a hurricane.

Other products include student loans, home loans and auto loans, as well as a Medicare supplement policy and insurance on home, auto, life, dental and vision.

The available options include limiting the number of fees that can be charged when an account balance is negative; ensuring that consumers have clear information about overdraft programs; making overdraft penalty fees reasonable and proportional; prohibiting banks from maximizing overdraft revenue through harmful reordering policies; and allowing banks and credit unions to offer affordable small loans in place of expensive overdraft penalty programs.

When the policyholder passes away, the entire death benefit — which includes insurance, all transferred annuity funds and compounded market interest credits (less fees, spreads, withdrawals or any policy loans and interest)-- pass to beneficiaries completely income tax free.

A servicer has flexibility to determine such policies and procedures and methods in light of the size, nature, and scope of the servicer's operations, including, for example, the volume and aggregate unpaid principal balance of mortgage loans serviced, the credit quality, including the default risk, of the mortgage loans serviced, and the servicer's history of consumer complaints.

The cash value of a whole life insurance investment policy can be accessed without having to jump through the various hoops that are necessary for a bank loan, including a credit check and reams of paperwork.

A turnkey solution that includes payment automation, college finance advisors, and policy expertise for aligning student loan assistance to your talent strategy.

The CFPB is «considerably narrowing its footprint in the market,» including a pullout from oversight of student loan servicing, said Isaac Boltansky, director of policy research at Compass Point Research & Trading.

Solid facts about your pay system, retirement, life insurance, health insurance, survivor benefits, flexible spending account options, overtime pay, recruiting, retention and relocation incentives, annual leave and sick leave policies, holidays, long - term care insurance, the government's own 401k - styled Thrift Savings Plan program (including loans), job protections and appeals, and how procedures can help you when your agency is downsizing.

Make loans to others, except that the Fund may, in accordance with its investment objective and policies, (i) lend portfolio securities, (ii) purchase and hold debt securities or other debt instruments, including but not limited to loan participations and sub-participations, assignments, and

For purposes of this policy, retail credit also includes loans to individuals secured by their personal residence, including first mortgage, home equity, and home improvement loans.

about any policy it has regarding related party lending, including matters such as interest rates, security and loan - to - valuation ratios.

The loans also came with other costs, according to interviews and an examination of the loan documents, including add - on products like unusual insurance policies.

If you borrow against an existing policy to pay premiums on a new policy, death benefits payable under your existing policy will be reduced by the amount of any unpaid loan, including unpaid interest.

HDFC Bank Policy requirements to be met for your Personal Loan to be processed under the Golden Edge programme include;

«The policy includes loan restructuring for debtors who were affected by the natural disaster,» Anton Prabowo, OJK commissioner for strategic management and logistics affairs, said in Jakarta on Wednesday as reported by kompas.com.

The letter includes questions about the institutions» operating hours, admissions policies, attendance records, loans of works to other museums, and any grants or prizes they provide.