Sentences with phrase «investment returns on any cash value»

CFA's Rate of Return (ROR) service estimates «true» investment returns on any cash value life insurance policy — whole life, universal life (fixed or indexed) or variable universal life (cash values in mutual - fund - like accounts).

Using the Linton Yield Method, these returns are found by imputing values to the death protection, using market term life rates, and then deriving estimated investment returns on the cash values.

There is a guaranteed investment return on the cash value.

Evaluate Life Insurance — How the Service Works: CFA's Rate of Return (ROR) service estimates «true» investment returns on any cash value life insurance policy — whole life, universal life (fixed or indexed) or variable universal life (cash values in mutual - fund - like accounts).

CFA's Rate of Return (ROR) service estimates «true» investment returns on any cash value life insurance policy — whole life, universal life (fixed or indexed) or variable universal life (cash values in mutual - fund - like accounts).

Whole life insurance has a guaranteed rate of investment return on the cash value of the policy.

Not exact matches

While debt investments can provide a stable cash flow stream and security for investors, participation in value expansion, and return on investment, is capped at the interest and principal payments outlined in the financing documents.

Financial risk: The potential for gain or loss on a financial level measured in terms of revenue, return on investment, return on equity, shareholder value, profitability, debt level, capital expenditures and free cash flow.

Back in the mid-90's, ROIC - based models such as Economic Value Added (EVA) and Cash Flow Return On Investment (CFROI) were all the rage, with corporate giants such as Coca - Cola (KO), AT&T (T), and Procter & Gamble (PG) linking them to executive compensation and highlighting them in communications with shareholders.

Walker has his $ 50,000 campaign cash from the roadbuilders, explaining why he can not look fairly at the costs, value, return on investment and priority of building this first Wisconsin link of the national high speed rail system for Wisconsin.

To value commercial investment properties it requires more detailed understandings of things like cash flow, cash on cash return, net operating income and return on equity.

The rate of return (earnings) on the cash - value portion of whole life historically has lagged behind other investments, such as stock mutual funds.

On the opposite end are variable annuities which carry more risk of investment loss AND also may offer the opportunity for higher returns and cash value growth.

However, there are no guaranteed returns on your cash value investments and your premiums may increase over time if your cash value performs poorly.

Investment returns on whole life insurance are typically lower than other types of permanent insurance, because the insurance company invests the cash value in extremely conservative vehicles, such as bond funds.

In addition, your cash value investment options typically have a cap on the maximum rate of return.

If you're a real estate investor, the cash value of your policy can be accessed for real estate investments and the return on investment can be exponential because you're making a return on the funds already in your policy... («it's your money») as well as the return on your real estate investment.

If Biotechnology Value Fund is able to cause the company to quickly distribute the company's remaining cash to stockholders, purchasers at these levels should see a good return on investment.

Along with dividends, policy loans that are repaid will also add to the cash value of the policy and results in a higher rate of return on investment in the policy, and this is all part of the infinite banking concept or self banking strategy discussed in prior posts.

The value strategy looks only at dividend - paying companies that have provided an inflation - adjusted cash flow return on investment of at least 10 % in each of the last 10 years.

Acquisitions are nice, but they have to add meaningful value and return on investment (ROI) which when you have that much cash is hard to do.

Thus, if you valued Ultimate Rewards at 2.2 cents per point, you would actually be getting a larger return on your investment by purchasing Marriott points during a promotion, since you'd be exchanging $ 925 cash for $ 2,100 worth of Rapid Rewards instead of $ 1,100 of Ultimate Rewards for $ 2,100 worth of Rapid Rewards.

You'll get a better value — between.71 and 1 cent per point — if you purchase a gift card with your points, which means purchasing a cash card from Visa, MasterCard, Discover or American Express would give you a better cash - back return on investment than direct cash back.

The possibility of financial success and a great return on investment are not typically elements of a solicitor's opinion, but when legislation directly affects the value and cash flow of a property, it is risky for the real estate bar to blithely assume that the impact of the statutory regime is beyond the scope of the purchase or mortgage retainer.

The theory put forth by these «gurus», such as Dave Ramsey and Suze Orman, is this: families would be better off purchasing term, and investing the savings between the cost of term and whole life into some investment vehicle that would net a much better return than plunking it all down on cash value whole life.

Your payments stay the same, you get a guaranteed rate of return on the «cash value» investment component of the policy, and the death benefit amount doesn't change.

The rate of return (earnings) on the cash - value portion of whole life historically has lagged behind other investments, such as stock mutual funds.

With a variable universal life insurance policy, the return on the policy's cash value is based upon the performance of underlying equity investments such as mutual funds.

Whole life policies do accumulate a cash value on a tax - deferred basis, however, the net rate of return is low when compared to a balanced investment portfolio and the insurance cost, expenses and method of determining the dividend scale / interest rate are not disclosed.

Cash value life insurance basically promises an investment return on part of your premiums (in a cash value that builds up on your policy) and a traditional death beneCash value life insurance basically promises an investment return on part of your premiums (in a cash value that builds up on your policy) and a traditional death benecash value that builds up on your policy) and a traditional death benefit.

The cash value aspect typically doesn't provide as high a return as other investment vehicles, you're paying for a policy later in life when you likely don't need it, and you could be doing a lot with the extra money you're spending on the policy.

While a cash value policy offers some return on the investment, it isn't the best financial strategy all alone.

Since then, many companies have introduced either a second GUL policy that has a slightly higher premium, but in return the policy owner has cash surrender values that show a better internal rate of return on surrender than the additional premiums could earn in a risk - free investment outside of the policy.

Whole life policies may also provide a rate of return on the cash value — ignore the death benefit — that is better than the returns on other fixed - income investments that have more risk.

Variable life insurance has the return on its cash value component tied to underlying investments such as mutual funds (although the funds are not directly invested in these vehicles).

Rate of return earned on investments versus permanent policy cash value (and whether consistent investing is feasible for the client).

Decide on the Investment Portion / Cash Value — You will be guaranteed a specific rate of return regardless how well the market performs.

With variable universal life insurance, the cash value return is based on the performance of underlying equity investments, such as mutual funds.

Assuming equivalent investment returns, because of the way the polices are written, it takes a lot longer for a whole life policy to accumulate significant cash value (often 12 - 15 years) than if you invested on your own.

The cash value is the savings part of the insurance policy which is based on the premiums paid and the returns from the investment that have accrued over the years.

Permanent life insurance, which has a cash - value account in which a return - on - investment component becomes an often complex and expensive part of the policy (most expensive cost per $ 1,000 of coverage).

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.

In addition, your cash value investment options typically have a cap on the maximum rate of return.

A universal life contract provides access to cash value accumulation like that of a whole life policy; however, cash value within a universal life policy includes a guaranteed minimum interest rate plus an additional interest payment if and when the life insurance carrier experiences higher returns on its own investments.

If you are inclined to buy whole or universal life insurance because of its lifelong protection and investment component, imagine paying $ 5,000 or more in premiums for the rest of your life and getting a guaranteed 4 % rate of return on your cash value.

On the other hand, whole life insurance advantages begin with the cash value that accrues, making whole life a steady long term investment, especially since returns are guaranteed and tax - deferred until they are withdrawn from the policy.

The cash value builds from a portion of the premiums paid into the policy and has a guaranteed minimum rate of return on investment, similar to a savings account but with a higher interest rate.

If you're a real estate investor, the cash value of your policy can be accessed for real estate investments and the return on investment can be exponential because you're making a return on the funds already in your policy... («it's your money») as well as the return on your real estate investment.

Since the universal cash value is invested in riskier financial instruments like stocks and bonds, there is always a chance for losses; however, if the stock market performs well, universal life insurance policies can provide the greatest returns on investment and make significant contributions towards your retirement nest egg.

Policies that are meant to build cash value, like whole life, variable life, and universal life, let the policyholder have access to a return on their investment without needing to wait for death.