Sentences with phrase «traditional cash value»

For all of the above reasons, our opinion is that IULs are not typically as favorable for executive bonus plans as traditional cash value whole life insurance.

It is comparatively inexpensive when held up next to whole life insurance or traditional cash value universal life insurance.

As opposed to using the traditional cash value (replacement cost minus depreciation), the broad evidence rule can take into account such factors as the age of the property, its tax value and any possible profits the item may have accrued.

Not exact matches

All traditional forms of person - to - person exchange include the physical exchange of cash or checks rather than a real - time digital exchange of value.

Nevertheless, traditional lenders are likely to weight the value of your personal score more heavily than many online lenders do, so if you have an otherwise healthy business and can demonstrate that your business has the cash flow to make timely loan payments, it is possible to qualify for a loan with a less - than - perfect personal credit score.

Plus the major stock exchanges fears that mining investments are taking cash away from «safer» traditional options, lowering their market value by those investing in speculation.

Cash value life insurance can range from a traditional level premium whole life policy to a single premium whole life policy to a universal life policy to a variable life insurance policy or a variable universal life policy.

Unlike traditional lenders that offer you a loan secured by the value of your accounts receivables, receivables factoring lets you sell your outstanding accounts receivables for an immediate influx of cash without the burden of repayment from you, rather from your debtors

The major difference between traditional universal life and indexed universal life is the way the interest is calculated and credited to the cash value of your insurance policy.

In this specific case it happens to be increased concerns with privacy and security After recognizing this an opportunity presented itself to create a stored value transaction system that would allow anyone with Internet access — even those without credit cards — to buy anonymously and safely online just as they would at a traditional retailer today with cash.

A traditional term life insurance policy does not have cash value.

Sionna's Kim Shannon, a more traditional value investor, would agree that while opportunities have been harder to come by, she's not waiting around in cash for a brilliant opportunity to arise.

However, the returns earned from investing in commodities differ from those earned from traditional asset classes, in that commodities have no expected book value or expected cash flow, while a commodities» value comes from the fact that they are consumable (like grains) or transformable (like petroleum) assets.

A large portion of your premiums payments will be invested in the insurance company's investment fund in whatever asset class you prefer (stocks, bonds, mutual funds, money market funds, etc.) Over time, this has the chance to generate a much larger cash value in your insurance account than a traditional whole life policy does.

Choices for key person insurance could then range from a simple term life policy to an indexed universal life policy (IUL) to a more traditional whole life policy (cash value life insurance).

And when choosing between, say, a traditional check - a-month pension vs. a lump - sum cash out, many people still tend to put too little value on assured lifetime monthly checks.

The major difference between traditional universal life and indexed universal life is the way the interest is calculated and credited to the cash value of your insurance policy.

Like a traditional Whole Life Insurance policy, a Child Life policy also builds cash value, and can be accessed in the future for expenses like school tuition, buying a new house, a vehicle, etc..

And, just like more traditional life insurance policies, the policy's cash value accumulates tax deferred.

This is actually a key benefit over a traditional 401 (k) or IRA, which carry penalties for withdrawals before age 59.5, as you can access the funds at any time so long as you have a large enough 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.

Depending on how you want to invest the cash value, you can choose between traditional universal life insurance (rates determined by insurer), indexed universal life insurance (tracks an index), and variable universal life insurance (you pick from a set of mutual funds).

However, the returns earned from investing in commodities differ from those earned from traditional asset classes, in that commodities have no expected book value or expected cash flow, while a commodities» Read more -LSB-...]

The difference with traditional whole life insurance is that strategies can be adopted to maximize cash value growth in order to facilitate using life insurance as your personal bank.

When comparing guaranteed universal life to traditional whole life insurance, the discussion shifts away from guaranteed vs. non-guaranteed because whole life insurance offers a guaranteed death benefit WITH guaranteed cash value accumulation.

An indexed universal life insurance policy, aka IUL insurance, or simply IUL, is similar to traditional universal life (UL) in that it offers a death benefit and a cash value account that increases over time.

There are different types of life insurance policies available, ranging from term life insurance, which is pure death insurance, to traditional dividend paying whole life insurance, which provides cash value growth in the policy.

Traditional whole life insurance offers a contractually guaranteed rate of return based upon the cash value deposited.

As a quick reminder, in many articles, we've reviewed the various benefits of both traditional whole life insurance AND universal life insurance for cash value accumulation.

If you think in terms of opportunity costs, it seems irrational to adopt any investing rule unconnected to whether the position is undervalued and safe per traditional Graham / Buffett value metrics like PE, price to cash flow, debt to equity, current ratio, and DCF analysis.

UL is unique in the sense that this type of policy «unbundles» the pricing elements that make up a traditional cash - value permanent policy — interest earnings, mortality costs, and company expenses — and prices them separately.

Our starting point will be the principle by which the value of a company's equity is the same, whichever of the four traditional discounted cash flow formulae is used.

Although a permanent life insurance policy with a cash - value component will help you save for retirement, the best way to maximize your returns is to combine a term life insurance policy with a traditional savings account like a 401 (k) or an IRA.

Because the cash value component of a life insurance policy is essentially an investment, you can do many of the same things you can with a traditional investment vehicle, like withdraw money from it.

The HECV policy is designed for executives, such as key person insurance, with significantly higher early cash value than traditional whole life policies.

Using a traditional loan or cash to finance a home purchase means that the buyer will be relaying on an appraisal as a method of determining the value of the property.

Unlike traditional whole life insurance, most simplified whole life policies don't have a savings component called cash value that builds over time.

Just like a traditional bank, the money in your online account is cash - not stocks or bonds that could potentially lose value.

Maximum loan to values (LTVs) match those of traditional cash - out loans.

While earnings have been the traditional metric to derive the value of a stock, Michael Mauboussin points out that cash flows reflect better economic reality than earnings in the article, «What You See and What You Get» dated July 23, 2007.

A truly flexible product, index universal life insurance combines the death benefit of traditional life insurance with the ability to accumulate cash value over time.

Unlike a traditional whole life insurance policy, guaranteed life insurance doesn't have a «cash value,» or savings component.

Traditional Universal Life and Whole life policies are more expensive due to the cash value accumulation attached to the premiums.

Those willing to take a risk and who have cash to fund the policy if it becomes temporarily underfunded can experience greater growth in cash value with universal life than with traditional whole life policies.

Like a traditional Whole Life Insurance policy, a Child Life policy also builds cash value, and can be accessed in the future for expenses like school tuition, buying a new house, a vehicle, etc..

By virtue of its safe investment profile, a traditional whole life policy doesn't have the same potential for growth of cash value found in universal life insurance products.

That said, consumers who want to buy cash value life insurance through traditional insurers can lower the total commission by blending term and permanent policies to start with, and then buying additional permanent coverage over time to replace the term life component.

Premium payments are guaranteed and like traditional whole life insurance there is some cash value growth.

The cash value can be used for any purpose you see fit and the loans are free of tax and penalties, giving it an advantage over a more traditional retirement savings account such as an IRA or 401 (k).

The traditional policy guarantees death benefits and cash value that grows with interest over time.