Sentences with phrase «insurance as a financial asset»

The reality is that many people do not think about life insurance as a financial asset and don't review their life insurance needs frequently enough.

Not exact matches

Since the early 1980s, the proportion of household financial assets held as deposits has fallen from about 50 per cent to below 30 per cent; this has been mirrored by a comparable rise in the proportion of household assets held as claims on life insurance and superannuation funds (Graph 11).

We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions.

Regions provides traditional commercial, retail and mortgage banking services, as well as other financial services in the fields of investment banking, asset management, trust, mutual funds, securities brokerage, insurance and other specialty financing.»

For example, the financial sector can be broken down into industries such as asset management, life insurance, or brokerage.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

One of the best - kept secrets is that life insurance does not count as an asset when qualifying for student financial aid.

Your financial assets include the cash in your checking and savings accounts, certificates of deposit, life insurance cash value, retirement accounts, the value of your home and real estate investments, stocks, bonds, mutual funds, treasury bills, silver and gold bullion, and even personal property such as cars, jewelry, art, and collectibles.

The company's products and services addresses multiple markets, asset classes and geographies and are sold to a diverse client base, including asset owners, such as pension funds, endowments, foundations, central banks, family offices and insurance companies; institutional and retail asset managers, such as managers of pension assets, mutual funds, exchange traded funds, real estate, hedge funds and private wealth; financial intermediaries, such as banks, broker - dealers, exchanges, custodians and investment consultants; and corporate clients.

After accounting for the cost of raising your kids as well as their future college expenses, you have about $ 1.9 million in financial obligations, meaning that you ideally need that amount minus your liquid assets covered by life insurance — so about $ 1.8 million in coverage.

Long term care insurance provides financial asset protection and wealth preservation by providing income benefits if you are unable to perform 2 of 6 activities of daily living or have a cognitive disease, such as Parkinson's or Alzheimer's.

But as even he has discovered, many of these investors may still need some help or guidance in choosing ETFs, settling on an appropriate asset allocation, rebalancing or even with financial issues that go well beyond managing investment portfolios — more holistic challenges like tax - efficient withdrawal strategies, insurance and estate planning, debt management and the like.

The increase came from a 3.2 per cent increase in financial assets as the value of investment fund shares, particularly mutual fund units, life insurance and pension assets rose.

We provide: • Retirement Services, such as plan rollover options, ** traditional and Roth IRAs, and small business plans • Financial Management, including financial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and socialFinancial Management, including financial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and socialfinancial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and social security

For this reason, many financial advisors recommend that you either purchase as much liability coverage as you can comfortably afford, or that you protect your assets with an umbrella insurance policy.

As one of the biggest insurance and financial services companies in the world, Nationwide and its affiliates provide property and casualty insurance, life insurance and retirement savings, asset management and strategic investments.

The financial assessment process includes analyzing such information as the cost of the property taxes and homeowners insurance, the clients» credit history, assets, expenses, and income.

As a sidenote, stock trading accounts and mutual fund accounts do not have the asset protection that other financial accounts (such as IRA and 401 (k)-RRB- accounts AND cash value life insurancAs a sidenote, stock trading accounts and mutual fund accounts do not have the asset protection that other financial accounts (such as IRA and 401 (k)-RRB- accounts AND cash value life insurancas IRA and 401 (k)-RRB- accounts AND cash value life insurance.

Institutions or organizations such as banks, insurance companies, mutual fund houses, etc in the financial or real assets of a country comprise DII.

Covenants can also be «non-financial» in nature, such as providing financial information to bondholders, protecting against the selling of assets, or changes of control, or making sure the assets of the company have adequate insurance.

MBIA, Inc. is a holding company, which through its subsidiaries, provides financial guarantee insurance, as well as related reinsurance, advisory and portfolio services and asset management advisory services, for the public and structured finance markets.

It operates through its bank and nonbank subsidiaries which engages in community banking services such as asset management, real property title insurance, investment banking, financial planning, and brokerage services.

You should basically consider all your financial obligations and deduct your current investments and assets, as well as the impact of the loss of income for the household, when determining the amount of life insurance that makes sense for you.

Portions of MBIA Corp.'s investment portfolio, as well as the investments held in relation to our asset management businesses, are insured by other monoline financial guarantee insurance companies.

If you had no insurance (again ignoring the legality here), you can bet their attorney would take a look at your considerable financial assets and do whatever it took to get as much of that as possible.

Marriage, the birth of children, the purchase of major assets such as a home are key points when you will want to be sure to review how your life insurance fits within your financial plan.

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To designate Cozy Cat Cottage Adoption Center as a recipient of an asset with a designated beneficiary, you should contact your insurance company, plan administrator or financial advisor and request a «change of beneficiary» form.

Advising financial services corporations, such as banks, insurance companies and investment dealers, regarding asset sales and corporate restructurings.

The executor can then provide copies of the Grant of Probate to whomever may require it, such as financial institutions, life insurance companies, the Land Titles Office, or the Canada Revenue Agency — and upon doing so the executor can deal with the assets and debts of the deceased person.

Although this may seem like a straightforward process, the fact of the matter is that insurance companies do everything they can to preserve their financial assets and pay victims as little as possible.

These documents include: revocable living trusts for lifetime management of assets or out - of - state real property to avoid probate, as well as durable powers of attorney for financial and healthcare decisions, Durable Powers of Attorney (DPA), healthcare directives and living wills, Health Insurance Portability and Accountability Act (HIPAA) authorizations for release of protected healthcare information, and premarital and postnuptial property status agreements that clarify status of community and separate property.

As trucking companies and insurance corporations frequently contest these claims to preserve their financial assets, our ability to quickly cite FMCSA regulations and thoroughly investigate unique evidence pertaining to the trucking industry allows us to craft effective cases for our clients.

The issue of punitive damages raises a number of other challenges in a personal injury case, such as taxation, insurance coverage, and the discovery of assets and financial statements.

The court noted that although husband's income had decreased, his overall financial condition had improved following the discharge in bankruptcy as he still owned a vacation beach condo and a $ 50,000 matched asset plan while the wife was unemployed and without health insurance, and had nearly exhausted her retirement account.

He has experience in banking, insurance, financial services and asset management regulation, as well anti-money laundering and the relevant corporate governance matters.

With thirty billion dollars in assets National Life Group is recognized by A.M. Best as an «A / Excellent» rated insurance provider with an outstanding financial outlook.

Transamerica has a strong and stable financial position, with total assets of nearly $ 131,800,000 as of year - end 2016, and more than $ 1,055 billion of insurance in force at that same time.

Even though life insurance should not be thought of as an investment, it is a strong asset and can be a cornerstone of any solid financial plan.

These consumers should also look into life insurance as a means to distribute their assets when they pass away, as well as create another financial safety net to help support their families should they pass away.

When considering a final expense life insurance policy with other financial planning needs, these plans can serve as good alternatives for individuals who simply need a way to pay for their funeral and other related costs without disrupting estate assets and other savings or inheritance that is earmarked for their loved ones.

Now, Nationwide has evolved as one of the largest insurance and financial service providers in the world, with more than $ 135 billion in statutory assets.

As an accounting professional, you are likely well aware of just how important it is to protect assets and income — and, one of the very best financial tools for doing so is to have a good, solid life insurance policy in place.

After accounting for the cost of raising your kids as well as their future college expenses, you have about $ 1.9 million in financial obligations, meaning that you ideally need that amount minus your liquid assets covered by life insurance — so about $ 1.8 million in coverage.

Much like insurance that protects assets such as your car or home, life insurance can be part of a sound financial plan that protects your income.

A financial expert that evaluates the risks of insuring a particular person or asset and uses that information to set premium pricing for insurance policies is known as the underwriter.

The Genworth Financial life insurance company may not be as well - known as Prudential but the company dates back to the 1870s and has over $ 110 billion dollars in assets making them an excellent choice for life insurance.

You should basically consider all your financial obligations and deduct your current investments and assets, as well as the impact of the loss of income for the household, when determining the amount of life insurance that makes sense for you.

In it's 100 year run Protective stands today as an A rated life insurance company based on their operating performance, financial flexibility and asset quality.

No legal limit exists on how many life insurance policies you can have, but companies might want to know your goals and financial situation, such as your income and assets.