Sentences with phrase «policy owner base»

The interesting thing is that this company that showed such a dislike for cash value life insurance soon was selling mutual funds in order that their vast policy owner base would have an intelligent vehicle through which they could accumulate some money.

Not exact matches

Award recipients are selected based on their impact on the growth of WBEs; creation of policies, procedures or initiatives that increase opportunities for WBEs; and innovative and inspirational leadership on behalf of women business owners and their companies.

Erie County has been a difficult place for local businesses, but we are trying to change that by fighting antiquated state policies, reducing taxes and eliminating the many hurdles small business owners deal with on a daily basis,» said Legislator Lorigo.

Based on a survey he conducted of 864 Kansans, Ternes discovered that well owners were significantly more aware of water supplies and water - related policies and agencies, including the Kansas Water Office, Groundwater Management Districts, and the Governor's Long - Term Vision for the Future of Water Supply in Kansas.

In this first example illustration provided from an A + rated carrier, we will be looking at how much $ 6,000 total premiums would generate over the first 30 years on a 10 pay whole life policy that the owner can continue to make base premium payments on after the initial 10 years.

The owner could execute a partial 1035 exchange (taking out a portion of the $ 50,000 that would normally be taxable) and use those funds to pay for the LTC policy on a tax - free basis each year.

The inner - workings of cash value life insurance consists of a life insurance policy, which is a contract between the policy owner, the insured (often the same person), and the insurer, where the insurer agrees to pay a death benefit to the policy's beneficiary, based on the owner continuing to make the policy's premium payments.

These riders would give a portion of the death benefit to the policy owner prior to the death of the insured, based on the requirement that the insured was terminally ill.

This Stanism (Stan The Annuity Man speak) is based on an industry estimation that over 60 % of lifetime income riders are never turned on by the policy owner.

When coupled with a life insurance policy, the hybrid LTCi owner will also have the advantage of passing dollars on to family on an income tax - free basis if the policy was never accessed for long term care coverage.

J.D. Power and Associates assigns life insurance companies ratings on a scale of one (average) to five (best) power circles based on survey feedback from a representative sample of verified policy owners and on a scale from 1 (worst) to 1000 (best).

According to Troy Thompson, owner of the Minnesota - based Pinnacle Insurance Agency, there are several reasons this discount is more substantial than bundling an auto policy with condo or renters insurance.

We chose a motorcycle policy, rider and bike based on market research, but any of those factors can differ for Massachusetts owners.

We chose a motorcycle policy, rider and bike based on market research, but any of those factors can differ for Montana owners.

Single - premium limit based on several factors including age of policy owner and face value of the policy.

These accelerated benefit riders would give a portion of the death benefit to the policy owner prior to the death of the insured, based on the requirement that the insured was terminally ill with less than 12 months to live.

Non-direct recognition refers to a whole life insurance company that does NOT alter its dividend rates based upon outstanding loans taken by the policy owner against the policy cash value.

(1) Based on the HO - 3 homeowner package policy for owner - occupied dwellings, 1 to 4 family units.

But even the waiver provision is limited: Owners of any of the breeds named in the policy who do not live on base now can not move onto any Marine Corps base with their dogs.

This made their base policy more affordable because pet owners can now customize their policy - choosing a per - incident / annual maximum and deductible that makes sense for them and their budget.

However, NAIA favors laws and policies that educate the public, hold dog owners accountable, and base punishment on dog behavior, not appearance.

Policies: This program has written policies This program works with purebred Goldens This program requires an application fee They adopt out of the service territory on a case by case basis with board approval Requires a dog be returned if the owner can not keep Takes ownership of a dog upon intake Requires a home visit before adoption approval Follows up with adopters after placement Dogs are observed and evaluated before adoption All dogs receive all vaccines (Rabies, DHLPP and any other regionally appropriate tests) before adoption All dogs have all tests (heartworm, fecal and other regionally appropriate tests) before aPolicies: This program has written policies This program works with purebred Goldens This program requires an application fee They adopt out of the service territory on a case by case basis with board approval Requires a dog be returned if the owner can not keep Takes ownership of a dog upon intake Requires a home visit before adoption approval Follows up with adopters after placement Dogs are observed and evaluated before adoption All dogs receive all vaccines (Rabies, DHLPP and any other regionally appropriate tests) before adoption All dogs have all tests (heartworm, fecal and other regionally appropriate tests) before apolicies This program works with purebred Goldens This program requires an application fee They adopt out of the service territory on a case by case basis with board approval Requires a dog be returned if the owner can not keep Takes ownership of a dog upon intake Requires a home visit before adoption approval Follows up with adopters after placement Dogs are observed and evaluated before adoption All dogs receive all vaccines (Rabies, DHLPP and any other regionally appropriate tests) before adoption All dogs have all tests (heartworm, fecal and other regionally appropriate tests) before adoption.

Policies: This program has written policies This program works with Goldens and Golden mixes This program does not require an application fee They do not adopt out of the service territory except rare occasions if no other rescue can help Requires a dog be returned if the owner can not keep it Takes ownership of a dog upon intake Home visit based on need Follows up with adopters after placement Dogs are observed and evaluated before adoption All dogs receive all vaccines (Rabies, DHLPP and any other regionally appropriate tests) before adoption All dogs have all tests (heartworm, fecal and other regionally appropriate tests) before aPolicies: This program has written policies This program works with Goldens and Golden mixes This program does not require an application fee They do not adopt out of the service territory except rare occasions if no other rescue can help Requires a dog be returned if the owner can not keep it Takes ownership of a dog upon intake Home visit based on need Follows up with adopters after placement Dogs are observed and evaluated before adoption All dogs receive all vaccines (Rabies, DHLPP and any other regionally appropriate tests) before adoption All dogs have all tests (heartworm, fecal and other regionally appropriate tests) before apolicies This program works with Goldens and Golden mixes This program does not require an application fee They do not adopt out of the service territory except rare occasions if no other rescue can help Requires a dog be returned if the owner can not keep it Takes ownership of a dog upon intake Home visit based on need Follows up with adopters after placement Dogs are observed and evaluated before adoption All dogs receive all vaccines (Rabies, DHLPP and any other regionally appropriate tests) before adoption All dogs have all tests (heartworm, fecal and other regionally appropriate tests) before adoption.

A 2000 study of 12 shelters by the National Council on Pet Population Study and Policy, published in the Journal of Applied Animal Welfare Science, found that about 14 percent of owners turning in their cats for behavioral reasons only listed aggression toward people as the basis, with about 9 percent citing biting.

While there will always be people who make bad decisions, Young - Williams Animal Center is consciously shifting our focus from fear - based policy addressing the small percentage of «bad pet owners,» to proactive, service - based assistance that helps the 80 % of caring pet owners who need support.

In addition, when EV owners are encouraged to charge their vehicles overnight (such as with the Ontario government's recently - announced program to provide free overnight charging) the overnight surplus base - load power capacity offers a way to marry broad public policy and societal benefits to the more narrow interests of the individual, in the form of «free fuel» alternatives for making this environmentally beneficial choice.

FITs compensate project owners for the energy produced based on a set rate established by policy makers, which is typically higher than the prevailing retail rate (a major difference between net metering and feed - in tariffs).

The problem, for storage system owners, is time - of - use rates are getting «stale,» and don't represent what mix of fuels are producing generation on the grid on a moment - to - moment basis, said Alex Morris, director of policy and regulatory affairs for the California Energy Storage Alliance (CESA).

In Wisconsin, the Supreme Court held in a 2001 case (Rabideau v. City of Racine 243 Wis. 2d 486, 627 N.W. 2d 795) that public policy precluded a pet owner's claim for emotional damages based upon the tort of negligent infliction of emotional distress in connection with a negligent destruction of a companion dog.

The changes to the law reduce the amount of unit owners required to reject a plan, postpone the time until another plan can be voted on, and requires that the plan be approved by the Division of Florida Condominiums, Timeshares, and Mobile Homes of the Department of Business and Professional Regulation («Division») based on factual and public policy reasons.

«An insurance rider is really enhanced coverage or benefit to the policy holder for a cost above the base plan,» says Brian Poncelet, an independent certified financial planner (CFP) and owner of RightInsurance.ca.

Many business owners decide to invest in an umbrella liability policy, which provides additional liability protection over and above the basis underlying policy limits.

Dividend A cash payment that is a return on part of the premiums paid by the owner of the policy based on a number of variables.

Corrin S. Trowbridge, owner and broker at San Francisco - based Farmers - Trowbridge Insurance, who has helped many parents add teens to their policies, says that parents need to think big when deciding how much coverage to buy.

A commercial general liability policy's success is based on its ability to protect business owners from the potentially devastating impact of costly claims.

The policy owner has the freedom to change the premium and coverage amounts based on how much they can afford to pay and how long they want the coverage to last.

Apr 02, 2012 - The affordability of an auto insurance policy is largely dependent on the motorist, since rates are based on the possibility that a vehicle owner will file a claim.

Some owners enter into single - year policies based on their ability to make premium payments.

New business owners should speak to a trusted insurance professional to find out which policies would help the owner avoid financial or legal disaster based on their specific industry.

If the cash value is greater than the owner's basis in the policy — that is, what he or she has paid in — then additional withdrawals in excess of basis are taxed as a gain.

If you own a home - based business, you may already have property and liability coverage under a business owners policy, or BOP.

Also known as the Pay as You Drive car insurance, this new system of auto insurance policy helps policy holders and car owners with their problems on expenses by introducing an option that lets them pay for their insurance rates based on how much they use their car.

An option for a policy owner to reinstate coverage after a lapse based on the insured submitting evidence of insurability and the policy owner paying back premiums plus interest.

Based on the HO - 3 homeowner package policy for owner - occupied dwellings, 1 to 4 family units.

Because trends are showing that more and more small business owners are working from home, insurance companies have begun to create insurance policies that cater to the the home - based business owner.

Modified Endowment Contracts still offer a tax - free death benefit to the insured (this being their primary advantage over an annuity or other investment) but policy owners can no longer access their investment gains on a tax - free basis.

Owners can transfer their cash value on a tax - free basis to a new paid - up policy without creating a taxable event.

We work with business owners on a daily basis and one of the most common questions asked is, «what is the difference between a regular life insurance policy and a key man insurance policy?»

Restaurant owners can use a blanket insurance policy to cover items such as specialty equipment that needs to be transported among locations on a frequent basis.

In addition, the amount that the policy owner is allowed to borrow may actually be based on the value of the cash account, as well as the terms that are outlined in the life insurance contract.