Sentences with phrase «other cash value»

Have questions or would you like to see an illustration for North American or any of the other cash value life insurance companies we represent?

That's why whole life insurance policies and other cash value life insurance policies don't make sense as an investment unless one of your objectives is to have lifelong coverage.

This is because term life provides pure and simple death benefit protection, without any other cash value or investment component attached to it.

Read on and LifeAnt will cut through the noise and help you to understand if a term life insurance policy really is a better choice than whole life or other cash value life policy.

However, we urge you to be careful as variable life insurance policies often come with higher fees than other cash value life insurance policies.

Since you're able to choose from a variety of investment options, variable life insurance policies have higher upside potential than other cash value policies, such as whole life insurance.

Just like all other cash value types, the growth within the policy is tax deferred as well as tax free when accessed by loans because premium dollars are post-tax.

A great value position of whole life insurance and other cash value or permanent life insurance products is that the policies are forced investment and savings plans.

For whole life or other cash value policies, the owner would also maintain complete control of the cash value, including having access to cash or loans.

In the «life settlement» market, first, term life policies of any amount are almost never purchased, and, second, most other cash value policies are unlikely to be considered unless the face amount is well in excess of $ 1 million, each.

If you are in an exceptionally high tax bracket, are facing uncertainty as to your physical condition over time and want the stability of a permanent life insurance plan, are maximizing other tax advantaged savings and investment accounts, or are looking for a way to reduce estate tax exposure, it is possible that a whole life or other cash value life insurance plan makes sense for you.

If you find that you've had a hard time saving money and already invest into retirement accounts, a whole life or other cash value life insurance plan can act as a forced savings account.

For most, a level term policy will be best, so steer clear from a whole life policy and other cash value contracts.

The marketing of whole life (and other cash value policies) as a substitute for savings and investments is considered controversial in some circles.

If you want to buy a whole life, universal life, or other cash value policy, plan to hold it for at least 15 years.

That's why whole life insurance policies and other cash value life insurance policies don't make sense as an investment unless one of your objectives is to have lifelong coverage.

However, we urge you to be careful as variable life insurance policies often come with higher fees than other cash value life insurance policies.

Since you're able to choose from a variety of investment options, variable life insurance policies have higher upside potential than other cash value policies, such as whole life insurance.

For some, it's the fixed premiums; for others the cash value attracts them to whole life insurance.

To put it another way, if the expense and investment experience of two life insurance companies are very similar and one charges a higher whole life insurance premium than the other the cash values of the higher premium policy will be more than the other.

Not exact matches

Along with these cash flows come the potential for growth, capital appreciation, dividends and other opportunities to deliver shareholder value.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

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.

They do not include stock - based compensation of any kind, the cash value of retirements benefits, or other non-cash benefits, such as health care.

The Danish company said it would pay 28.00 euros per share in cash for Ablynx and an additional 2.50 euros in a so - called contingent value right (CVR) if certain conditions related to other drugs in Ablynx's research portfolio were met.

The other category of life insurance products is referred to as cash value, or permanent life.

The company's overstated political influence was noted by the New York Times political reporter Ken Vogel, who tweeted on Monday that the company's «BIGGEST SECRET» was that it was «an overpriced service that delivered little value to the TRUMP campaign, & the other campaigns & PACs that retained it» and that most people hired it because it was seen as a «prerequisite» for receiving cash from the Mercer family.

Some of the most common other assets include cash value of life insurance, long - term investment property and compensation due from employees.

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.

The performance goals upon which the payment or vesting of any Incentive Award (other than Options and stock appreciation rights) that is intended to qualify as Performance - Based Compensation depends shall relate to one or more of the following Performance Measures: market price of Capital Stock, earnings per share of Capital Stock, income, net income or profit (before or after taxes), economic profit, operating income, operating margin, profit margin, gross margins, return on equity or stockholder equity, total shareholder return, market capitalization, enterprise value, cash flow (including but not limited to operating cash flow and free cash flow), cash position, return on assets or net assets, return on capital, return on invested

Speaking broadly, cryptocurrencies purport to be items of inherent value (similar, for instance, to cash or gold) that are designed to enable purchases, sales and other financial transactions.

Now valued at $ 45 billion, the private company is flush with cash and is spending big in an effort to expand into other devices.

As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiums.

On the other hand, it's also the reason why term life insurance is several times less expensive than cash value life insurance.

Subject to the provisions of our 2015 Plan, the administrator will determine the other terms of stock appreciation rights, including when such rights become exercisable and whether to pay any amount of appreciation in cash, shares of our Class A common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right must be no less than 100 % of the fair market value per share on the date of grant.

Other cryptocurrencies, including Ripple, the third - largest by market value, and Bitcoin Cash, have also racked up double - digit declines in the last 24 hours, according to Coinmarketcap.com, which tracks the industry.

If you manage to get a value of $ 0.0134 per point when transferring, the Chase Freedom Unlimited ® can beat all other flat - rate cash back credit cards — including the Citi ® Double Cash Credit Ccash back credit cards — including the Citi ® Double Cash Credit CCash Credit Card.

Your amount realized will be measured by the sum of the cash or the fair market value of other property received plus your share under the partnership tax rules of our liabilities, if any.

We've helped donors contribute other assets, including the cash value of life insurance policies, artwork, collectibles, Bitcoin, and even livestock.

You also get the same value applied regardless of the type of merchant or transaction (with the Venture ® card, you get 2 % cash back on travel statement credit redemptions, but only 1 % cash back on other types of purchases).

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the Rewards Points, you may pay more in fees and interest than the value of the Rewards Points you earn if you do not pay your bill in full each month.

It is a decent stock selection factor overall, but relative to the other ways of measuring value (earnings to price, cash flow to price, EBITDA / EV, etc) it is sub par.

Money loaned to the policyholder through an automatic premium loan is treated like any other loan against the policy's cash value.

Subject to the provisions of our 2016 Plan, the administrator determines the other terms and conditions of stock appreciation rights, including when such rights become exercisable and whether to pay any increased appreciation in cash or with shares of our common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right will be no less than 100 % of the fair market value per share on the date of grant.

The policy loan provision stipulates the amount you can borrow against your cash value, the rate of interest, and other terms for policy loans.

Shipments containing cash or other means of payment, precious metals, art work, jewelry, watches, precious stones or other articles of value or securities for which, in the event of damage, no stoppage and no cancellation and replacement procedure can be carried out; for the avoidance of doubt the following valuable goods are exempted from this rule: Shipments using the Registered Mail special service, which contain stamps, telephone cards, vouchers for goods and low - value goods in these classes (e.g. fashion jewelry and promotional articles), up to an actual value of 30 Special Drawing Rights of the International Monetary Fund (SDR) per shipment, and individual tickets and entrance tickets;

Subject to the provisions of our 2013 Plan, the administrator determines the other terms of stock appreciation rights, including when such rights become exercisable and whether to pay any increased appreciation in cash or with shares of our common stock, or a combination thereof, except that the per share exercise price for the shares to be issued pursuant to the exercise of a stock appreciation right will be no less than 100 % of the fair market value per share on the date of grant.

Our accounting for acquisitions involves significant judgments and estimates, including the fair value of certain forms of consideration such as our common stock, preferred stock or warrants, the fair value of acquired intangible assets, which involve projections of future revenues, cash flows and terminal value which are then discounted at an estimated discount rate, the fair value of other acquired assets and assumed liabilities, including potential contingencies, and the useful lives of the assets.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

Include cash flow analysis, financial ratios, and any other financial projections that will educate your buyers on your property value.