Sentences with phrase «policies include cash»

Unlike property and casualty coverage, many life insurance policies include cash value build up, as well as surrender changes that could actually cost you money if you cancel.

These two main alternatives differ on how long you are covered and whether or not the policy includes a cash value.

Performs all financial activities effectively and in accordance with policy including cash handling and reporting, price changes, and merchandise handling; ensures all register transactions are completed accurately and in accordance with policy.

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

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.

Types of cash - value policies include whole life, universal life and variable life.

For the past two years, OPEC's pump - at - will policies have flooded the market with cheap supply, causing economic pain for producers with higher cash costs, including those involved in fracking, the Canadian oil sands and deepwater drilling.

Peltz also proposed cutting other «excess» costs, adding debt, adopting a more shareholder - friendly policy for distributing cash from CyclicalCo / CashCo, prioritizing high returns on invested capital for initiatives at GrowthCo, and introducing more shareholder - friendly governance, including tighter alignment between executive compensation and returns to shareholders.

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

Permanent insurance, which includes whole life and universal insurance policies, is for life: It provides a death benefit for as long as you pay the premium, but also may include cash value that can be accessed during the insured person's lifetime.1

As in years past, recipients of Donors Trust cash include the biggest players in conservative politics today: the David Koch - chaired Americans for Prosperity Foundation, the Cato Institute, the FreedomWorks Foundation, the Heritage Foundation, the National Right to Work Legal Defense Foundation, and the influential State Policy Network.

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.

Portfolio and investment management services are core to what a family office typically offers clients; it often includes selection of fund managers, implementing the investment plan and policy of clients, and managing investment risks and cash requirements.

Assets likely to be held by private investors include: cash in bank deposits, securities (such as shares issued by private companies, and government or corporate bonds), property, insurance policies, foreign currencies, cars, art and antiques.

Permanent life insurance policies (which include whole life insurance and universal life insurance, have the potential to accumulate guaranteed cash value that increases every year.

Banner Life's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or less.

Tus is responsible for Honeywell's investing and financing policies and activities, including corporate finance, trade and customer finance, cash management and risk management (interest rates, foreign exchange, commodities and insurance).

In his initial budget recommendation to lawmakers in January, Cuomo inserted several policy proposals, including ones to extend the statute of limitations on child molestation, authorize advance voting and eliminate cash bail requirements in low - level criminal cases.

Several other policy items sought by Cuomo were not included in the spending plan, including a push to move away from cash bail and a recodification of abortion rights.

Such policies include instituting external, curriculum - based exams linked to real - world consequences for kids; maintaining high standards for earning good grades; and experimenting with well - designed cash - incentive programs.

CHICAGO — America's two largest teachers unions, which have often clashed with the Obama administration on education policies, praised the president for including $ 60 billion in relief for cash - strapped school districts in his jobs package announced Thursday evening.

That's likely a reference that would include North Carolina's own controversial Opportunity Scholarship Program, which offers public cash to low - income students seeking to enroll in the state's primarily religious private schools, some of which reportedly maintain discriminatory admissions policies toward LGBTQ students and their families.

Cashing in on Kids isn't only about highlighting problems — we also will include examples of thoughtful education policies, good practices and effective schools.

These include (a) the cash value of one's whole life insurance policy, (b) the home equity value of one's residence, and (c) Read more -LSB-...]

These include (a) the cash value of one's whole life insurance policy, (b) the home equity value of one's residence, and (c) the pre-funded nature of the long - term care insurance policy.

Most renters insurance policies include replacement cost vs actual cash value coverage.

Certain types of life insurance policies, including variable life, cash value life insurance and whole life insurance, combine life insurance with a tax - deferred investment account, and provide tax - free access to the cash value of the policy.

If you surrender a life insurance policy for cash, you must include in income any proceeds that are more than the cost of the life insurance policy.

Include the death benefit and cash surrender value — if any — of each policy, as well as the names of the insurance companies and the beneficiaries.

The Participating Lender's policy, including the additional charges you will incur, are detailed in the loan documents provided to you by your Participating Lender before you are requested to e-sign for the cash advance.

The actual cash value of your property might not amount to much, and that's why policies include replacement cost.

At I&E, we craft reviews highlighting our favorite types of cash value policies, including dividend paying whole life insurance and indexed universal life insurance.

However, cash value policies also include an attractive accumulation element.

Cash value: This includes the cash value accumulated within a universal life or whole life policy, as well as the value of any segregated fuCash value: This includes the cash value accumulated within a universal life or whole life policy, as well as the value of any segregated fucash value accumulated within a universal life or whole life policy, as well as the value of any segregated funds.

This policy includes a growth component, so you can build cash value by tracking a market index, with potential for growth and some protection from market downturns.

In either of these cases, provincial legislation protects the entire policy — including the death benefit and cash value — from the claims of creditors of the policy owner during his lifetime and after death.

This additional insurance policy is limited to a combined return to any customer from a Trustee, SIPC and London Underwriters of $ 37.5 million, including cash of up to $ 900,000.

The primary differences between the two policies are the cost, the duration of coverage, and that whole life insurance includes a cash value component.

Instead, the responsibility for paying it off goes to your estate, which includes your cash, real estate, insurance policies, trusts, business stakes, investments and other assets.

The cash value that accumulates in a whole life insurance policy provides you with several choices, which include:

The main definitions to know include: Policy, Owner, Insurer, Insured, Beneficiary, Insurance Premiums, Death Benefit and Cash Value.

You're entitled to go fishing (for eligibility requirements): A traditional fully underwritten whole life or universal life policy gives you coverage for life, pays out the insurance benefit upon your death and includes an investment component of accumulated cash value.

Unlike a universal or whole life policy, mortgage insurance does not include cash savings in the premium.

Secure Solution long - term care insurance provides tons of options, including a reimbursement benefit for actual LTC costs and a cash indemnity benefit which pays you a percentage of the policy's home health care benefit each month, after the elimination period has passed.

At I&E, we create these life insurance reviews highlighting our favorite types of cash value policies, including dividend paying whole life insurance and indexed universal life insurance.

To set the stage for this Top 10 guide... OUR best dividend paying whole life insurance companies article includes some «stand out» companies that offer advantageous platforms for maximizing cash value accumulation while simultaneously allowing flexibility for taking policy loans on life insurance further enhancing ongoing policy performance.

A properly designed permanent cash value life insurance policy may include any or all of the following life insurance riders.

The term «proceeds and avails», in reference to policies of life insurance, includes death benefits, accelerated payments of the death benefit or accelerated payment of a special surrender value, cash surrender and loan values, premiums waived, and dividends, whether used in reduction of premiums or in whatever manner used or applied, except where the debtor has, after issuance of the policy, elected to receive the dividends in cash.

A long - term care insurance policy provides coverage for reimbursement or cash indemnity income benefits of various care and services, including in - home care, or a long - term care facility, such as an assisted - living facility or a nursing home.

Endowment mortgages include an insurance policy and, if you have had this policy for a few years, it may have a cash - in value (called a surrender value).