Sentences with phrase «insurance as an investment strategy»

So some experts recommend life insurance as an investment strategy because it forces investing.

Private placement life insurance emphasizes life insurance as an investment strategy with tax advantages.

Not exact matches

He said that new forms could include specific real estate projects (such as jails, universities and hospitals buildings) or investment strategies tied to specific themes (such as insurance risks, population growth or climate change).

This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.

As an independent firm, we do not sell or promote any investment or insurance product; we rely on segment - skilled managers to deliver research - driven strategies tailored to meet each client's unique goals.

The insurance industry presents an example of this strategy as interest on investments may offset payments on settled claims.

While offering insurance for crypto assets, InChain provides a convenient insurance - based bond platform that will allow investors to be involved in investment strategy decisions such as suggesting a strategy or voting.

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.

As people continue to turn their backs on volatile investment strategies, life insurance as a vehicle for securing one's financial future has become a popular topic, and several opinions can be found in favor of or against iAs people continue to turn their backs on volatile investment strategies, life insurance as a vehicle for securing one's financial future has become a popular topic, and several opinions can be found in favor of or against ias a vehicle for securing one's financial future has become a popular topic, and several opinions can be found in favor of or against it.

This is a key aspect of cash value life insurance AND can be applied as part of a retirement planning with life insurance strategy OR as a way to create private financing for real estate or other investments.

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.

She's now trying to decide on a future investment strategy, both for the RRSP as well as the life insurance money she will soon receive.

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 social security

A life insurance policy as a part of your investment strategy that builds up a cash value to help cover your expenses in retirement

This helps those using permanent life insurance as an investment vehicle to accumulate savings which can grow in a tax - favored environment, preferably to be used in other wealth building strategies.

Through our relationship with LPL Financial, our clients have access to a wide array of financial and wealth management strategies, including services such as professional money management, retirement and education planning, and investment products including stocks, bonds, mutual funds, annuities, and insurance products.

One strategy I see no mention of in your blog for tax deferred or tax free savings is the growing use of truly Self Directed IRAâ $ ™ s. Most young people still donâ $ ™ t know that as far as IRAâ $ ™ s are concerned, the IRS regulations only exclude investments in Collectibles like art and fine wine, life insurance contracts and shares in an S Corp from an IRA account.

Asset allocation is an investment strategy that is used to choose among various asset classes such as stocks, bonds, commodities, foreign currencies, real estate, annuities and life insurance, and high value collectibles including precious metals.

Although we would caution against this strategy if your goal is to build your cash value and death benefit over the long term, it is a nice feature of whole life insurance as an investment.

This strategy can be utilized for both buying assets as well as liabilities without needing to remove your cash from the investment (i.e. whole life insurance using non-direct recognition companies) that is continually working AND compounding to generate a consistent rate of return.

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If a life insurance plan is part of your overall strategy, or you are considering buying a policy as an investment, you will find that you may have more questions than answers as you begin assessing which plan is the best fit for you.

There are a bunch of reasons whole life insurance (and by extension, child whole life insurance) is a bad investment product — we wrote a great explainer post at Investor in the Family about whole life as a retirement strategy.

A life insurance policy as a part of your investment strategy that builds up a cash value to help cover your expenses in retirement

If your agent is local, he or she should be available for appointments, especially if you've purchased whole life insurance as part of an investment or retirement strategy.

Although we would caution against this strategy if your goal is to build your cash value and death benefit over the long term, it is a nice feature of whole life insurance as an investment.

This is a key aspect of cash value life insurance AND can be applied as part of a retirement planning with life insurance strategy OR as a way to create private financing for real estate or other investments.

Most people purchase life insurance primarily for income replacement in the event of their death, but permanent life insurance also functions as part of an investment strategy.

I would highly recommend you stick with term life insurance, and do not buy a policy as an investment strategy.

Using life insurance as an investment, like any other investment strategy does have pros and cons.

The work experience section of a sample Investment Adviser resume can include such responsibilities as marketing and selling products like life insurance, annuities, and investments to clients, and analyzing clients» financial information to determine strategies that will meet their financial objectives.

Chancellor Capital Management / Invesco, Inc. (City, ST) 1995 — 2000 Partner and Managing Director — Institutional Fixed Income • Manage in excess of $ 44 billion, approximately $ 20 billion of which were managed with a total rate of return objective • Focus in mortgage - backed and asset - backed securities • Create and implement strategy for all MBS and ABS investments for total rate of return portfolios • Responsible for risk management including establishing and monitoring appropriate risk levels • Collaborate with CIO in management of all core portfolios benchmarked against the Lehman Aggregate Index • Run weekly strategy meetings defining portfolio construction in conjunction with Investment Policy Committee guidelines • Oversee assets in excess of $ 10 billion including pension funds, public funds, and insurance funds • Conduct client reviews and new business presentations on a regular basis • Serve as point person for key strategic partnerships based out of New York

Recommended strategies clients can use to achieve financial goals and objectives, including specific recommendations in areas such as cash management, insurance coverage and investment planning.