Sentences with phrase «insurance financial value»

Even if there is no Quincy renters insurance financial value, you should still include it so you can be compensated if something happened to it.

Instead, this is a great way to keep money in your pocket so you can spend it on other areas of the building, including improving the efficiency of your Connecticut renters insurance financial value plan.

Not exact matches

The same follows for annuities and the cash value in your life insurance policy, said David E. Hultstrom, co-founder of Financial Architects in Woodstock, Georgia.

His legal background proved invaluable in 1991, when the state of California and its insurance commissioner John Garamendi seized Raleigh's then - financial partner Executive Life Insurance Company after the value of the insurer's multibillion - dollar portfolio collapsed — a fate tied to its massive investments in the junk bond market of the go - insurance commissioner John Garamendi seized Raleigh's then - financial partner Executive Life Insurance Company after the value of the insurer's multibillion - dollar portfolio collapsed — a fate tied to its massive investments in the junk bond market of the go - Insurance Company after the value of the insurer's multibillion - dollar portfolio collapsed — a fate tied to its massive investments in the junk bond market of the go - go 1980s.

«Being in the insurance and financial services industry, I'm always looking for ways to set myself apart, build my business and add value for my clients,» says Randy Rosler, a financial advisor with MetLife's Strategic Planning Group.

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

For financial stocks, there are more opportunities for insurance companies to add value than for the large banks.

Sure, certain sectors presented better values than others as financial stocks, including many bank and insurance stocks, presented relative bargains.

All rentier income appears to be payment for providing economically helpful services, equal in value to the income paid to the financial, insurance and real estate (FIRE) sector.

In addition to being a store of value, precious metals are insurance against a number of potentially disastrous scenarios: financial crashes, civil wars, political unrests, and other crises.

Prior to founding of The Value Alliance, Ms. Bloxham devoted nearly twenty years of her professional career in financial services posts encompassing the banking, investments and insurance sectors, holding executive positions at Prudential Financial Services and at Bank One (now merged into JPMorganChase), where she managed strategic, financial, operations, technology, and compliance functions and at KPMG where she ran a global financial services posts encompassing the banking, investments and insurance sectors, holding executive positions at Prudential Financial Services and at Bank One (now merged into JPMorganChase), where she managed strategic, financial, operations, technology, and compliance functions and at KPMG where she ran a global Financial Services and at Bank One (now merged into JPMorganChase), where she managed strategic, financial, operations, technology, and compliance functions and at KPMG where she ran a global financial, operations, technology, and compliance functions and at KPMG where she ran a global practice.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

Financial Institutions: Regional banks with less risky practice and insurance brands experienced a positive year as their value appreciated.

Maybe that means cash value life insurance to help protect your family's financial security and as an effective estate planning tool.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

But even more importantly, aside from being a long - term store of value, gold is a hedge — a form of money that acts as an insurance policy against a dangerously overleveraged financial system.

Finally, looking at valuation, European banks traded at a material discount to tangible book value, one standard deviation3 below their historic forward price - earnings multiple, and near a 20 - year low relative to global banking peers as the year came to a close.4 We are also finding select financial sector values in Asia, in both mature, under - earning banking markets like South Korea and Singapore, as well as underpenetrated, growth - oriented markets like China (particularly in insurance) and India (particularly in banking).

BUT if you choose not to have insurance — like selling Sanchez and Ozil while they still had proper financial value and using the money to bring in someone keen to play for us — then you pay the price, in things going from bad to disastrous, which for Arsenal they have.

It's often only recommended that you buy Third Party Only Car Insurance when your vehicle has a relatively low financial value and has already been fully paid for.

Insurance typically pays the vehicle's actual cash value rather than the amount remaining on your loan or lease, which could leave a financial «gap» of thousands of dollars.

Having mortgage insurance makes originating high loan - to - value (LTV) loans safer for the financial institutions we serve, allowing them to reduce their risk and lend to credit - worthy borrowers who bring less than 20 percent down to the table.

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.

Why aren't folks being urged by the financial community to park more of their money into this type of cash value life insurance?

Some insurance companies promote these insurance policies as a college savings vehicle because the value of the policy is sheltered from financial aid need analysis formulas.

Taking money from your retirement account or tapping the cash value of your life insurance policy to pay bills or living expenses may have serious implications you haven't considered, so try to get advice from an expert before you take any major financial actions.

Our largest All - Star, by market capitalization, is the insurance firm Fairfax Financial which is run by noted value investor Prem Watsa.

Taking out a term life insurance policy for the value of the student loan may be a smart way to prevent financial disaster should the worst case scenario happen.

Depending on your financial situation, a higher property value can eliminate the need for expensive mortgage insurance while qualifying you as a less risky borrower.

For those unfamiliar with the idea, it suggests that buying cheaper term life insurance and investing the difference in a mutual fund is a better financial option than purchasing a whole life policy and cancelling it at age 65 for the cash values.

Most modern day «financial gurus» ridicule cash value life insurance as an investment for a variety of reasons, one of which being that it is extremely expensive to buy in old age.

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.

To minimize the financial damage of a tornado, Travis Biggert, chief sales officer at HUB International Mid-America, an insurance brokerage, says it's critical to add something known as replacement cost value (RCV) coverage, which covers the cost of repairing or replacing items at their current cost.

If you want permanent insurance and also want the ability to use the cash value to invest in the financial markets, you'll likely have to pay more in policy expenses.

This an important advantage when considering permanent life insurance strategies such as the infinite banking concept ®, which is based upon a number of concepts such as the velocity of money and creating financial arbitrage to facilitate other activities such as real estate investing through cash value life insurance.

So your run of the mill stocks, bonds, mutual funds, bank accounts, cash value life insurance, and all other financial investments are considered assets.

This is more of a philosophical question, although I'll point out that life insurance cash values can be used with financial leverage the purchase higher risk / return ventures.

It is sad that many stockbrokers and pundits in the financial community criticize whole life insurance for young people based upon various suggestions such as «high fees» OR the time needed to realize value.

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 insurance.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

Protect your family, property, and you with the best value on the right insurance available through CEFCU Financial Services, ® Inc..

In addition, making sure your college student has renters insurance is one more way you can help them build good financial habits and understand the value of proper insurance.

Filed Under: insurance, money Tagged With: bank relationship manager, financial tools, present value

For those who are interested in using the policy for infinite banking, the work around would be to use the cash value as collateral with a separate financial institution, such as a local bank, instead of borrowing form the life insurance company.

Cash value life insurance is an asset and should be part of anyone's holistic financial plan.

So there you have it... 5 reasons to ignore the naysayers and learn more about the power of utilizing cash value life insurance for wealth building, financial security and legacy planning.

In general, these 3 other types of universal life insurance can be defined as NON-GUARANTEED because they are based upon financial performance leaving the cash value vulnerable.

Financial Planning Association of Greater Hudson Valley Technical Aspects in Evaluating Cash Value Life Insurance Policies, 11/13/01.

Cash value whole life insurance offers a contractual rate of return as well as likely dividends and additional growth that is not dependent upon the financial markets.

So if passive income is going to be an issue you may want to ask your tax expert or financial advisor about the benefits of an Individual Pension Plan (IPP) or cash value insurance.

«Say you buy a permanent life insurance policy on a child for [a face value of] $ 50,000,» said Kevin M. Lynch, an assistant professor of insurance at The American College of Financial Services, giving a hypothetical example of how such a provision would work.