Sentences with phrase «rate on the cash value»

Variable interest rate on the cash value that you contribute over the course of your life.

But whole keeps your interest rate on the cash value fixed for life, and doesn't allow the cash value to be used to pay monthly premiums.

Universal life policies typically offer a guaranteed rate on cash value, which may vary, depending on the policy provisions.

• Earnings potential The issuing insurance company may guarantee a minimum growth rate on the cash value of the policy in some cases.

Insurance companies guarantee a minimum return rate on the cash value that is usually between 3 and 5 percent.

While some exchange - traded funds (ETFs) have rates of return as high as 12 %, and even funds with lower interest rates will like still be a few points higher than the average interest rate on a cash value policy.

The Sage universal life insurance no medical exam policy also offers a minimum guaranteed interest rate on the cash value accumulation portion of 2.5 % which is guaranteed payable over the life of the policy.

An interest - sensitive whole life insurance policy gives a variable rate on your cash value portion, similar to an adjustable rate mortgage.

Costs can be significantly more than a term life insurance policy and guaranteed interest rates on the cash value are usually very low.

Whole life insurance policies guarantee a minimum growth rate on the cash value.

With whole life insurance, the interest rate on the cash value is set by the insurance company.

Many whole life policies even set the interest rate on the cash value permanently.

The universal life policies offered by Ohio National provide a guaranteed 2.5 % interest rate on your cash value, although the actual historic interest rate offered has been higher.

The interest rates on the cash value of a whole life insurance are considerably less if you invested it elsewhere might be stock market, money market fund or any other interest - bearing investment.

But whole keeps your interest rate on the cash value fixed for life, and doesn't allow the cash value to be used to pay monthly premiums.

Variable interest rate on the cash value that you contribute over the course of your life.

You earn a guaranteed interest rate on these cash values.

They guarantee it and the guarantee the interest rate on these cash values.

If you show the IN renters insurance company proof of monitoring, then you won't have to do anything further to earn those lower rates on cash value coverage.

Not exact matches

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.

«The public funds, at least in Pennsylvania, are structured to enable the bank to make a loan that they might not be able to make without the public debt behind them by enhancing the loan - to - value, reducing the risk to [the bank], and then passing on some benefits [to the borrower] in the form of lower interest rates, which help cash - flow issues.»

Echelon is now focusing its growth on «smart» commercial & municipal LED lighting (although its fab-less chip business has apparently now stabilized after a long decline), and if the lighting business accelerates (and it could, due to recent sales force hires and new products), I think there's a chance it can hit a break - even annualized revenue run - rate of $ 40 million by Q4 - 2019 (pushed back from my earlier hoped - for timeline) at which point — assuming $ 14 million of remaining net cash (vs. an estimated $ 18 million at the end of Q2 2018) and 4.7 million shares outstanding (vs 4.52 million today), an enterprise value of 1x revenue on this 53 % gross margin company would put the stock in the mid - $ 11s per share.

Rates on cash - out refinances generally will be slightly higher, 25 to 75 basis points, than the rate on a purchase mortgage with a similar loan - to - value ratio.

This is utterly different from true discounting - which does not rely on multiples, but instead carefully traces out the likely path of future revenues, profit margins, cash flows and earnings over time, and explicitly discounts expected payouts and probable terminal values back at an appropriate rate of return.

However, if the ordinary shares or ADSs are treated as traded on an «established securities market» and you are either a cash basis taxpayer or an accrual basis taxpayer that has made a special election (which must be applied consistently from year to year and can not be changed without the consent of the IRS), you will determine the U.S. dollar value of the amount realized in a non U.S. dollar currency by translating the amount received at the spot rate of exchange on the settlement date of the sale.

With still - low mortgage rates, along with home values on the rise nationwide, now is a great time to consider your cash - out refinance options.

The cash value of a universal life insurance policy accumulates based on the amount of premium paid, monthly deductions for policy costs and an interest rate that is declared by the insurance company.

In setting your initial withdrawal rate, you'll also want to consider how much of your expenses you can cover from Social Security and any pensions, what other resources you have to draw on (home equity, income from an annuity, cash value life insurance, income from a part - time job) and how much of your retirement spending goes to essential expenses that you would have a hard time trimming vs. discretionary items that leave you with a lot more leeway cutting back should you need to in the future.

There are two reasons for this: The redemption rates of miles or points for international trips drive up the value of rewards, and most cash - back credit cards charge a foreign transaction fee of 3 % on overseas purchases.

In intrinsic valuation, the value of an asset is the expected cash flows on that asset, discounted back at a risk adjusted discount rate.

However with universal life the interest rate earned on the cash value is subject to change, whereas it is fixed with whole life insurance.

The rate for balance transfers is $ 5 or 5 % (depending on rate value), and the rate for cash advances is $ 15 or 5 % (same stipulation as balance transfers).

It adds fees to a loan based on loan type (purchase, rate and term refinance or a cash out refinance), loan to value, and credit score.

Using a discounted cash flow analysis (EPS = 5.87, 10 yr growth rate = 13 % (based on previous years), terminal growth rate = 4 %, discount rate = 10 %) I come up with a fair value estimate of $ 125.43, in line with the analyst consensus.

While there are two different rates for cash advances or balance transfers, one rate is chosen based on which generates a greater value.

It offers 1.5 % fixed - rate cash back on all purchases, and comes with a significant welcome bonus that gives it fantastic short - term value.

On one end of the spectrum is the fixed index annuity which offers a conservative contractual rate of return applied to the account or cash value growth.

The rate of return (earnings) on the cash - value portion of whole life historically has lagged behind other investments, such as stock mutual funds.

Therefore, assuming a similar rewards rates on both cards, the PenFed Power Cash Rewards will provide consumers with the better short - term value, and a bigger gross return on spending overall.

Second, it meant (and means) that investors are finally receiving at least a nominal rate of interest on their cash equivalents and short - term bond holdings going forward — a welcome change for patient value investors.

On the other hand, if you are receiving a high, but equal dividend yield every year, but the inflation rate is eroding the cash value slowly.

Homeowners looking to refinance, cash out or purchase an investment property can take advantage of PenFed's home equity options: these are offered in 60 -, 120 -, 180 - and 240 - month terms, at various rates depending on your loan - to - value (LTV) ratio.

On the contrary, there is either a 3 % or 5 % transaction fee for balance transfers and cash advances; the rate (3 % versus 5 %) depends on whichever value is greateOn the contrary, there is either a 3 % or 5 % transaction fee for balance transfers and cash advances; the rate (3 % versus 5 %) depends on whichever value is greateon whichever value is greater.

If that index performs well, you have an opportunity to earn a higher return on your cash value based on the IUL's participation rate and cap rate.

Initially, the premiums paid on cash value insurance, such as whole life insurance rates, are higher than those associated with term insurance, given that term insurance payments are used just to pay for current insurance coverage and not to build up cash value in the policy.

In some cases, cash value insurance, specifically whole life insurance, features a minimum rate of return guarantee on funds held in a policy's cash account, which is one of many whole life insurance pros and cons.

The regular rewards rate is 1.5 % cash back on everything, but where the real value in this card lives is pairing it with a Chase Sapphire product like the Preferred or Reserve.

The cash value is guaranteed to grow according to a minimum annual interest rate, but may grow faster depending on the insurer's market performance.

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