Sentences with phrase «insurance guarantees a portion»

Private mortgage insurance guarantees a portion of the loan that t the buyer did not make as a down payment in a conventional loan.

Not exact matches

My CD portion of my passive income is my Risk Free portion where if all else fails, I still have the CD income producing $ 20,000 a year and guaranteed under FDIC insurance.

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.

These are all ways the insurance company takes a portion of your account growth in the good years to cover the costs they incur in meeting their guarantees in the bad years.

A portion of your premium will be applied to the policy's cash value and grow at a minimum rate guaranteed by the issuing insurance company.

Cash value life insurance coverage usually guarantees a rate of return around 4 % with today's interest rates and this return should be viewed as a baseline because the non-guaranteed portion of the policy includes dividends that are tax free and reinvested.

For life insurance policies that pay death benefits in the form of a lifetime payout, the portion of the payout that is not subject to tax if the policy has no refund provision or stated time period guarantee which is determined by dividing the amount of the death benefit by the life expectancy of the beneficiary.

They're one - part insurance, delivering guaranteed lifetime income when an optional living benefit rider is added to the annuity, and one - part accumulation potential, because a portion of the owner's purchase payments is allocated to a mix of diversified investments that can provide long - term growth to help maximize future retirement income.

Insurance Mortgage Loans: Loans of between 81 % and 95 % of the appraised value or purchase price, whichever is less, on improved real estate supplemented by guarantee of a private mortgage insurance company for that portion of the loan which exceeds the Bank's conventional loan - to - valInsurance Mortgage Loans: Loans of between 81 % and 95 % of the appraised value or purchase price, whichever is less, on improved real estate supplemented by guarantee of a private mortgage insurance company for that portion of the loan which exceeds the Bank's conventional loan - to - valinsurance company for that portion of the loan which exceeds the Bank's conventional loan - to - value ratio.

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.

However, with borrower - paid mortgage insurance, the government can guarantee a portion of the loan.

The insurance company pays a guaranteed rate of return on the portion of your premium that is in its investment portfolio, building up the value of your policy.

The VA does not provide any lending services, but they do guarantee that the qualified vets repay of the loan or they will pay the insurance portion of the mortgage that poses the most significant risk for mortgage lenders.

Simplified issue and guaranteed issue life insurance are options for people who might not be able to benefit from the paramedical exam portion of the application process.

The cash value builds by deferring a portion of your premiums, and depending on the type of coverage you buy, is invested in securities or grows at a fixed rate guaranteed by the insurance company.

The Sage universal life insurance no medical exam policy also offers a minimum guaranteed interest rate on the cash value accumulation portion of 2.5 % which is guaranteed payable over the life of the policy.

Simplified issue and guaranteed issue life insurance are options for people who might not be able to benefit from the paramedical exam portion of the application process.

While not guaranteed, Guardian Life Insurance Company has paid a dividend, which goes into the cash value portion of a whole life policy, and they've maintained some amount of dividend every single year going back as far as 1868.

Also, these types of universal insurance policies typically guarantee the principal amount in the indexed portion, but cap the maximum return that a policy holder can receive in said account.

If a covered person's long term insurance rider was not completely used to fund their nursing home care, the designated beneficiaries will receive either the guaranteed minimum death benefit or the death benefit of the plan and the unused portion of the long term care rider's value.

Whole life insurance coverage can be utilized as an investment vehicle since future value is guaranteed and a portion of your premiums get placed into an tax - deferred cash value account.

For example, in some cases, a guarantee issue life insurance policy may only pay out a portion of the stated death benefit if the insured passes away within just a year or two after obtaining the policy.

Whole life insurance premiums are much higher because the coverage lasts for a lifetime, and the policy has cash value, with a guaranteed rate of investment return on a portion of the money that you pay.

If they can be met with a new term insurance policy and you don't really need a lifetime guarantee, I might suggest converting some small portion of that policy to permanent insurance as a final expense life insurance policy and getting a new term policy to cover the majority of your insurance need.

While your policy may guarantee a minimum rate of return ranging from 1 to 4 percent, your universal life insurance company will also invest a portion of your premiums into different investments.

There are a couple of ways to use the «cash value» portion of your policy: One way is to ask for a low interest rate loan from your insurance company, using the cash - value account as a guarantee.

This is because there is a guaranteed cash value accumulation component to the whole life policy, on top of the regular insurance portion.

Cash value life insurance coverage usually guarantees a rate of return around 4 % with today's interest rates and this return should be viewed as a baseline because the non-guaranteed portion of the policy includes dividends that are tax free and reinvested.

The term life insurance policies we offer come with a guaranteed option to convert all or a portion of your death benefit to a permanent life insurance policy, regardless of whether your health changes after your term policy started.

Another factor is whether you decide to opt for guaranteed replacement coverage or actual cash value coverage in your personal possession portion of your insurance.

Term life insurance does offer a «conversion» guarantee, however, which allows you to exchange («convert») a portion of your term policy into permanent coverage.

Policyholders of «With Profit» Traditional Endowment Policies are entitled to receive a portion of the profits / dividends as declared by the insurance company in the form of a bonus or guaranteed.