Sentences with phrase «policy is a cash»

The variable life insurance policy is a cash value life insurance product.

These policies are cash policies, meaning they will build cash value the longer you hold the policy.

These policies are cash value whole life insurance policies that come with a two or three graded death benefit periods.

The single payment is rather substantial and there are severe fees if the policy is cashed during the first one to three years in most cases.

Policyholders are not taxed on any earnings from the funds until the policy is cashed in and interest earned can be applied towards premium payments.

By definition, a Universal Life Insurance policy is a cash value life insurance policy that combines the low cost of Term Insurance with the savings options and lifelong coverage of Whole Life.

One of the benefits of owning a permanent life insurance policy is the cash value that can accumulate.

However, when a policy is cashed out before death, the treatment varies.

This is because a funeral insurance policy is a cash - based policy, which policy beneficiaries will receive cash payments that will be used for funeral arrangements.

You can pay back the money plus accrued interest or, if you choose to not pay back the money borrowed, it will simply be deducted when the policy's death benefit is paid, or else deducted from the cash value when the policy is cashed in.

Medicaid's issue with whole life policies is the cash value.

Included in these policies is a cash value component that lets the holder accumulate tax - deferred savings.

Let's not forget, permanent policies are cash value life insurance, so this is another bonus.

In addition, part of the premiums paid accumulates as cash value, which is available if the policy is cashed in or terminated.

One of the benefits of a whole policy is the cash value it builds, like an investment.

The appeal to these policies is the cash grows tax deferred and are accessible through loans and withdrawals.

The two main components of whole life insurance policies are the cash accumulation and the death benefit.

You will not be taxed on the profits of this investment until the policy is cashed out by your or your beneficiaries.

Car Insurance Claims When you file car insurance claims against a policy you are cashing in on what you've been paying out.

A universal life insurance policy is a cash value type of life insurance policy.

If the policy is surrendered and the policy is cashed out, then the growth in the cash value would be subject to taxation.

The gain is tax - deferred if the policy is cashed in during your life.

If a policy is cashed or money is withdrawn from the cash value then this does not apply and you may have taxes in these cases but not from the death benefit.

Uncle Sam may get a taste eventually (if the policy is cashed in or ceases to remain in force), but not while the funds are growing and the policy is maintained.

Since that is the only amount of the policy you have a living claim to, it is considered the net value if the policy is cashed out, as opposed to what the net value would be if you passed away.

One very important feature of a permanent life insurance policy is the cash value it accumulates over time.

Determine whether or not a fee is incurred if a specific policy is cashed in or surrendered and the ACTUAL cash value of such, especially in the case of a life insurance policy as that would be «marital property» certain to be divided via the actual divorce process.

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.

The reality about the impact of Mr Rudd's policies of cash handouts is starting to become clearer to taxpayers.

Managers at these firms had «more discretion over corporate cash policies,» and therefore reserves were more susceptible to expropriation by insiders.

Should the policy offer attractive guaranteed rates of return, over time the cash value will grow to a reasonable level without being subject to market volatility or capital gains taxes.

When it is time for either college or retirement, the policy holder can borrow money from the cash value and pay it back with the death benefit when they die.

«The vast majority of the population is unbanked and trapped in cash,» says Kathleen McGowan, senior policy advisor with the Washington - based U.S. Agency for International Development.

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.

And if you take a loan that is equal to the cash value of the policy, the insurance company will force the policy to lapse and you will be hit with a large tax bill.

It's worth noting that critics of cash - value insurance policies argue that investment choices are too limited and that investors could get a better return through a diversified portfolio of stocks.

«If you have ample funds and are looking to get rid of a little every month, it would not be irrational to buy a whole - life, universal - life or variable - life policy, where the cash value grows income tax - free as long as the policy is held until death,» Hunt said.

While banks are offering interest rates of 1 percent or less (taxable), many cash - value policies are currently offering tax - free growth of about 5 percent.

That's because, as the name implies, cash - value life insurance policies accumulate value over the policyholder's lifetime.

Here's how: Suppose that after you hold your insurance policy within your retirement account for three or four years, it builds a cash value of $ 20,000.

The all - cash bid also represents the first real test of what's effectively Prime Minister Stephen Harper's newly announced policy on foreign direct investment.

These policies are also unique in that they allow you to borrow, tax - free, against the policy's cash value during your lifetime.

Of course, the policy's cash value changes over time and is lower than the total sum of the death benefit it provides.

This means that unless you cash in your permanent policy, you will be paying the annual premium for the rest of your life.

The general policy of the Board is that compensation for independent directors should be a mix of cash and equity - based compensation, with the majority of compensation being provided in the form of equity - based compensation.

Some of the most common types of cash value life insurance policies are:

Cash value that's left in your life insurance policy when you die is kept by the insurer.

So, if you had a $ 250,000 whole life policy in place for 10 years and the cash value was $ 25,000, in the event an emergency came up you may be able to borrow up to $ 25,000 from the insurer.

If you have a participating cash value life insurance policy, it means you're eligible to receive a dividend.

Our judgement is that the current setting of monetary policy is consistent with this, with the Board keeping the cash rate unchanged at 4.25 per cent at its meeting yesterday.