Sentences with phrase «net amount of insurance»

Insurance companies calculate the actual insurance costs associated with a specific policy based on the net amount of insurance at risk.

Net Amount of Insurance at Risk The difference between a life insurance policy's total face amount and the policy's cash value.

Here is a simple formula to calculate how much insurance you need for your final expenses: Assets — liabilities + burial expenses = Net amount of insurance needed.

Not exact matches

As for why the corruption, all the obvious reasons: a) the country's made up of a zillion different historically hostile tribes arbitrarily thrown together as a country by the Brits; b) life is short, there are few official safety nets (e.g., unemployment insurance, pensions), so there are few moral qualms about taking care of your own, no matter what; c) there's not yet any sort of history of democracy, of regulation of profiteering — this is a very young, very capitalist country; d) the outside world and all its wealth provides tremendous incentives for corruption — the amount and indiscriminate nature of foreign aid, the fact that the amount of money that would eventually be paid for, say, a rhino horn dagger will trickle down to paying the poacher enough money to cover his kids» school fees for years; e) the fact that the west encourages the illicitly wealthy in the developing world to hide their loot in western institutions (e.g., Swiss banks).

The amount that can be claimed is restricted to the premium paid or the net cost of pure insurance, whichever is less.

The intent of an IUL policy is to gradually decrease the «net amount of risk» (as seen by the insurance company), as you age.

Net income is the amount of money you receive after taxes and other deductions (health and life insurance, 401k contributions, etc.).

• The following are included in annual income to qualify for an RHS guaranteed loan: − Gross amount of wages, salaries, overtime pay, commissions, fees, tips, bonuses and other compensation for personal services of all adult members of the household − Net income from the operation of a farm, business or profession, interest, dividends and other net income of any kind from real or personal property − Payments from social security, annuities, insurance policies, pensions, unemployment, workers compensation, alimony and / or child support and other types of periodic receipNet income from the operation of a farm, business or profession, interest, dividends and other net income of any kind from real or personal property − Payments from social security, annuities, insurance policies, pensions, unemployment, workers compensation, alimony and / or child support and other types of periodic receipnet income of any kind from real or personal property − Payments from social security, annuities, insurance policies, pensions, unemployment, workers compensation, alimony and / or child support and other types of periodic receipts.

The return of the growth is calulated after substracting the MER.75 % of the principal is guarenteed at maturity.You can also withdraw 10 % without any penality in every year from the segregated funds.You can also do SM through Manuone.If you can put 10 % with CMHC insurance, either borrow a lumpsum from the subaccount, if you have the equity, or can use dollar cost averaging.In this case you pay only prime rate for the mortgage aswell as for the subaccount just like a credit line.The beauty of the mauone is that you can pay of the mortgage at any time if you have the money.Any money goes into your account will reduce your principal amount, and you pay only the simple interest at prime for the remaining principal.With a good decipline and by putting the tax returnfrom the investment in to the principal will reduce the principal subsatntially.If you don't have the decipline don't even think of this idea.I am an insurance agent, recently I read this SM program while surfing the net, I made my own research and doing it for my clients.I believe now 20 % downpayment can get a mortgage without cmhc insurance.Fora long term investment plan, Manuone with a combination of Segregated fund investment I believe is the best way to pay off the mortgage quickly and investment for the retirement.

Premium financing is generally reserved for ultra high net worth households due to the approval requirements and amount of cash - value life insurance involved.

The Net Account Value amounts input into column I of the Insurance Input sheet will just flow through to the Buy Term Results sheet unaltered.

Besides the amounts withheld for taxes and other benefits such as health insurance, you really make about 85 % of the net amount you see on your check.

First, this 3 % yield is only applied to the net amount of money that gets invested into their general account after the life insurance company deducts their fees.

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If you have a substantial amount of personal net worth, you may want to invest in umbrella insurance to protect yourself.

To start with, ICBC is only required to pay you the net amount of your wage loss after factoring in your income tax obligations as well as your Employment Insurance premiums.

The assignment of future collateral insurance benefits will significantly reduce the «net» amount of money Mr. El - Khodr and all other innocent accident victims will recover from all sources.

At the time of issue, the entire $ 100,000 is at risk, but as cash value accumulates, it functions as a reserve account, which reduces the net amount at risk for the insurance company.

Proceeds In life insurance or annuities, the net amount of death benefit payable by the company at the insured's death.

If you have a substantial amount of personal net worth, you may want to invest in umbrella insurance to protect yourself.

Generally these can be taken under one of three possible non-forfeiture options: (1) surrender for full cash value; (2) use of the cash value to purchase reduced paid - up life insurance; and (3) use of the cash value to purchase extended term insurance in the full face amount of the original policy for as long as the cash value will pay net premiums.

If any contract which is a life insurance contract under the applicable law does not meet the definition of life insurance contract under subsection (a), the excess of the amount paid by the reason of the death of the insured over the net surrender value of the contract shall be deemed to be paid under a life insurance contract for purposes of section 101 and subtitle B.

The maximum amount of life insurance people can own is typically equal to their net worth.

While you may believe that the liability insurance limits built in to your existing policies may be enough, it's important to take a look at what you own, and your net worth, in order to assess the amount of umbrella insurance you need.

This information is often reported as net investment income per share which is taken by dividing the total amount of net investment income by the number of outstanding shares in the insurance company itself.

Those who were financially successful, he said, often still want some amount of life insurance for estate or charitable planning, a safety net or to make sure their grandkids can go to college.

The cash value of the life insurance policy represents money that is built up against the death benefit to reduce the «net amount at risk» for the insurance company.

That's up to you to decide, but most experts suggest that minimal amount of term life insurance you should carry, especially for the purpose of income replacement, should be 10 times your net annual salary.

The net amount at risk is the amount of insurance that the insurance company is responsible for covering in the event that death occurs.

Generally applicable to current assumption policies such as equity indexed, variable and universal life, cost of insurance charges are monthly charges for mortality and other elements of insurer expense that are assessed against the policy based on the insured's current age, the original rate class, and the current net amount at risk.

This could mitigate some of the increased cost of insurance at your parent's age, the exchange of cash value into the contract will lower the «Net Amount at Risk» in turn lowering the premium requirement.

It is the net worth of an Insurance Company usually calculated by the excess of assets over the amount of liabilities (which includes policy liabilities also).

In one form of variable universal life insurance, the cost of insurance purchased is based only on the difference between the death benefit and the cash value (defined as the net amount at risk from the perspective of the insurer).

Notably, though, even though the net death benefit is only $ 600,000, Andrew's life insurance policy still has cost - of - insurance charges calculated based on the original death benefit, not just the reduced death benefit amount.

The difference between that cash value savings and the total death benefit amount is the pure insurance amount, which is also called the «net amount at risk» or «at - risk amount» and refers to the amount of risk, quantified in dollars and cents, that the insurer is taking for insuring (underwriting) your life.

This rating was provided, given the company's financials (all as of 2014), which include total assets of $ 411.0 billion, statutory capital and surplus of $ 134.7 billion, net life insurance premiums of $ 59.9 billion, and face amount of life insurance in force of $ 28.4 billion.

For the overwhelmingly majority of families, life insurance is not a wise investment option because expenses and fees reduce the amount contributed to the cash value, thereby providing an extremely low net return.

Split dollar insurance: An arrangement between two people (often an employer and an employee) where life insurance is written on the life of one who also names the beneficiary of the net death benefits (death benefits less cash value), and the other is assigned the cash value (or equivalent amount of death benefits), with both sharing the premium payments (usually the noninsured paying a portion equal to the increase in cash value each year and the insured paying the balance of the annual premium).

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Premium financing is generally reserved for ultra high net worth households due to the approval requirements and amount of cash - value life insurance involved.

The life insurance company may also consider other factors, such as your net worth, asset portfolio or business operations to determine if you can qualify for more than this amount of protection.

«Net Outstanding Depreciation» means the amount of total replacement cost estimated by Fire Insurance Exchange minus the total of (a) applied deductible, (b) paid actual cash value and (c) paid recoverable depreciation.

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Triple Net (NNN)-- The tenant pays a fixed rental amount each month but assumes majority of the expenses related to the property including but not limited to: real estate taxes, Common Area Maintenance (CAM's), and Insurance for the property (prorated share if not occupying entire premises).

A triple net lease is an agreement where the tenant will not only pay the fixed amount of rent every month but also all costs that are related to the property including but not limited to; Common Area Maintenance (CAM's), Taxes, and Insurance.