Sentences with phrase «need the cash value»

This is especially the case if you do not need the cash value build up that a permanent life insurance policy can provide.

Still, it may be worth it if you need the cash value to cover things like endowments or estate plans, which might benefit from the greater options that a whole life policy provides.

For people who have complex financial needs, or who might need the cash value component to pay for an endowment or cover an estate tax and can afford the higher premiums.

If you have enough assets that you have complex financial needs, or you're going to need the cash value of a whole life insurance policy to cover, say, your endowment plan or estate plan, then congratulations!

I need the cash value of this policy now.

Nonetheless, the bottom line remains: if Barbara doesn't need the cash value (in this case she doesn't, as it's inside an ILIT anyway), and can afford to continue paying the premiums, maintaining the life insurance death benefit as a «fixed income substitute» actually turns out to be a remarkably appealing fixed income investment to maintain for the rest of her life... even if the reality is that the return will only accrue to her beneficiaries and not herself.

For the right situation and need cash value life insurance can be a great solution for people who are fortunate to make a great living.

Of course, if the client really needs the cash value or can not afford premiums, this strategy is not viable, but the policy can still be sold as a life settlement instead to harvest most of the underlying value.

The bottom line, though, is that given the internal rate of return on life insurance held until death, for those who don't need the policy — but don't need the cash value, either — the best decision for unnecessary life insurance might not be to surrender it, but actually keep it anyway!

When doing this, you will discover how much coverage you need, how long you need the policy to last, whether you are happy to take a medical examination, whether you need a cash value component, and more.

Not exact matches

Let's break down what an alternative finance provider needs to cover within that 30 to 40 percent factor rate (technically, this is a discount rate, which is present value cash versus future payout, rather than an interest rate), so as to come out ahead.

Mint Chip, which eliminates those middlemen, is meant as a digital cash equivalent, where value can be transferred directly from person to person without needing to identify either party.

Finding a distressed seller who needs immediate cash often means they will sell at less than market value, which provides you with biggest profit potential.

If values aren't what's going up, I need to make sure there's cash flow there so that I can profit continuously.»

You will also need the more costly cash value policy if you purchase life insurance for the purpose of leaving a charitable legacy, Simmonds said.

If you exchanged your Chase Ultimate Rewards points for cash to purchase the ticket, or if wanted to use fixed - value points worth one cent each — such as miles you can earn with the Capital One Venture card — you would need 120,000 points to cover the whole trip.

Parents of a disabled child who will need ongoing support such as medical care or assisted living, however, will need to purchase cash - value insurance, advised James Hunt, a life actuary for the Consumer Federation of America and founder of website Evaluatelifeinsurance.org.

Most agree that banks need to have more cash, or capital, available to ensure they do not default on their obligations when the value of their other assets plunge, as happened during the recent mortgage crisis.

You would need to take advantage of the cash value of the policy or have it as a part of your estate plan in order for the investment to make sense.

You would just need the policy's cash value to return a net 2.5 % interest annually to cut your premium payments in half while maintaining the full cash value.

This option isn't always available, so you'll need to check with your insurer, but it's a simple way to make sure your family doesn't just lose the cash value you've built up over time.

For example, my parents who have a very low income also own a primary residence which have a high value (which by the way has negative cash flows and is in dire need of renovation.)

But you need to either pay interest out - of - pocket annually or carefully monitor the size of the loan as compared to the policy's cash value.

Investors looking for value need to take a holistic approach that measures a company's ability to deliver economic earnings to investors and quantifies the expectations for future cash flows embedded in its current stock price.

Gold values vary wildly so this is considerably less stable than cash, but the long term value won't eroded to pennies by inflation and I don't expect I'll need it anyway.

For one thing, frequent transactions mean market swings could have a bigger impact on you — if you're forced to sell shares whenever you need cash, even if the value of your investments has dropped.

Permanent life insurance policies with a cash value component typically only make sense if you need lifelong coverage and have a large investment portfolio that you want to diversify.

Your title loan size may be determined by the amount of cash you need, your vehicle's value, and your ability to repay.

Instead, most investors desire that their capital grow in real value over time, produce cash flows that can help them meet their personal lifestyle needs and to do all of this in a manner that does not offend their sensibilities.

The amount of the loan will largely be dependent on the value of your underlying asset and how easily they can be converted to cash should the need arise, although not desired.

I let brokers truly know what my motives were for selling a bond, whether it was relative value, or needing to raise cash.

Travis Hoium (Pattern Energy Group): Long - term investors looking for value in energy don't need to look further than yieldcos who provide contract - protected cash flows for decades to come that will be paid in the form of a dividend.

Plus, the policy builds nominal cash value that you can use for a loan or cash withdrawal, should you need it later in life.

Beyond its core protection, accumulation and premium guarantees, the product offers built - in and optional riders that can enhance cash value growth, provide flexibility to meet diverse protection needs and budgets and deliver added security for unexpected life events such as chronic illness.»

b) I see the best value in abra if I am making a high volume of low value payments to many different parties who don't necessarily need to convert to cash (with fx) each time.

Once you have gone through all the steps outlined above to calculate the discounted cash flow for each of the biotech firm's drugs, you simply need to add them all up to get a total value for the firm's drug portfolio.

As the policyowner accumulates cash value inside the policy, the person can access the cash value, through loans or partial surrenders, which can be used for a variety of personal needs, such as quick cash for an emergency or to help supplement retirement income.

In later life stages, permanent life insurance may offer, depending on the type of policy, the opportunity to accumulate cash value on a tax - deferred accrual basis, money that can be used for diverse needs.

Rather than selling their crypto (pay taxes and forfeit potential future gains), with Celsius they can leverage their cryptocurrency to borrow the cash they need today, while still maintaining their crypto portfolio for future value.

If the companies still appear sound, reasonably valued, and your outlook for cash requirements hasn't changed, you may not need to do anything.

It's not that a business needs to be good (high ROC, free cash flow generative, etc.) to be valued on earnings.

We not only want to reveal to investors which firms are undervalued (both on a discounted cash flow and relative value basis), in our view, but we also want to provide investors with the information needed to anticipate entry and exit points.

The decision of whether to buy term or cash value (also known as permanent) life insurance depends on your personal needs and how much you want to spend for life insurance coverage.

A phone call can put you in touch with an invoice factoring expert who will work with you and your company to convert up to 95 percent of the face value of your accounts receivables into the working capital needed to solve your cash flow problems.

This meant they only needed to make payments for a short period of time before the values increased, allowing them to pull cash out.

But since Antpool isn't the biggest Bitcoin Cash mining concern out there, it needs some help to push the value of Bitcoin Cash up.

Club Cash enables nonprofit organizations to raise much needed funds by purchasing Lowes Foods gift cards at a discount and then selling them at face value.

WASHINGTON, D.C. — Consumer packaged goods (CPG) companies will need to employ different tactics than those used during the recession — divesting non-core brands, conserving cash, and cutting costs — to preserve shareholder value as the economy recovers.

We need to cash in on him till he has some value.

AndrewAFC — we are up there in terms of business value ie what an investor would need to buy us out — but we are nowhere in terms of ready cash and liquid assets.