Sentences with phrase «value insurance which»

You might want to look into a Wells Branch renters insurance policy that offers replacement value insurance which means your items will be valued higher than the traditional actual value policies that are standard on most rental insurance policies in Texas.

Protect it now the right way with Grundy Agreed Value Insurance which gives you 100 % of the value of your car in the event of a total loss.

Whole Life Insurance is permanent cash - value insurance which stays in effect as long as premiums are paid.

Not exact matches

The example we used assumes a property value of $ 200,000 with 10 % in down payment, which triggers the requirement for a mortgage insurance premium.

A life insurance policy loan is just a loan from the insurer in which the cash value of your policy is used as collateral.

You can stop paying mortgage insurance once the cash you've paid towards your home, including the down payment, reaches 20 % of your home's value, or 80 % LTV — which reduces your monthly payments.

The majority of permanent life insurance policies also have a cash value component, which is similar to an investment account.

Whole life insurance policies are usually structured to mature when you turn 100 years old, at which point the cash value should equal the death benefit.

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

A contract issued by an insurance company, which agrees to make payments to you based on the contract's value.

Participating whole life insurance is eligible to earn dividends, 1 which can increase the death benefit and the cash value.

Profile # 3: Consumer with 760 or Above Credit Score, Home Value of $ 400,000 and 20 % Down Payment The high credit score and 20 % down payment in this profile made it unnecessary to consider an FHA loan, which allows lower down payments at the cost of added mortgage insurance.

We should account for any insurance value which is provided by the pipeline, but we should also remember who is underwriting that insurance.

In the case of an oil spill cleanup, the costs are likely to be directly incurred by an insurance company, but the premiums paid for that insurance come at the expense of the value of the oil transportation service — the higher the expected clean - up costs from oil spills, the higher insurance premiums will be, and this will mean higher pipeline tolls, which in turn implies lower profits, taxes, and royalties on the products shipped.

Property and casualty insurance companies invest a substantial percentage of book value and policyholder «float,» which is money they hold until policy claims are paid out but do not own, in investment - grade bonds, particularly corporate bonds.

MGIC Investment Corp., which calls itself the largest mortgage insurance company in the U.S., recently changed one of their rules regarding down payments and loan - to - value ratios.

It allows them to avoid the extra cost of mortgage insurance, which is usually required on loans that account for more than 80 % of the home value.

So long as there is sufficient other credit enhancement such as subordination, mortgage insurance only affects the lower rated tranches of the RMBS, which in turn only account for a few percentage points of the value of an RMBS.

For example, conventional mortgages for which the loan - to - value (LTV) is 80 % or less; VA mortgages; and most jumbo portfolio loans waive mortgage insurance requirements.

Insurance companies charge these, which often run about 1.25 % of your account value, to cover the costs and risks of insuring your money.

Example: - Let's assume you sold your life insurance policy, which had a cash value of $ 150,000 for a $ 200,000 settlement.

A lender will typically lose twenty percent of a home's value during the process of default and foreclosure, which explains the requirement to put 20 % down to avoid paying mortgage insurance.

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.

He notes, too, that those saving for college may also be positioned to assume greater risk in their 529 portfolio if they otherwise have sufficient assets in an IRA or cash value life insurance policy from which they could potentially borrow for college expenses penalty - free.

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

For seniors, the cash value of whole life insurance is less valuable because you have fewer years during which it will grow with interest.

However, because the premiums for term insurance become more expensive as you get older, cash value insurance, which has level premiums, may be the more economical option if you want coverage throughout your life.

BUT if you choose not to have insurance — like selling Sanchez and Ozil while they still had proper financial value and using the money to bring in someone keen to play for us — then you pay the price, in things going from bad to disastrous, which for Arsenal they have.

These benefits include but are not limited to the power of the human touch and presence, of being surrounded by supportive people of a family's own choosing, security in birthing in a familiar and comfortable environment of home, feeling less inhibited in expressing unique responses to labor (such as making sounds, moving freely, adopting positions of comfort, being intimate with her partner, nursing a toddler, eating and drinking as needed and desired, expressing or practicing individual cultural, value and faith based rituals that enhance coping)-- all of which can lead to easier labors and births, not having to make a decision about when to go to the hospital during labor (going too early can slow progress and increase use of the cascade of risky interventions, while going too late can be intensely uncomfortable or even lead to a risky unplanned birth en route), being able to choose how and when to include children (who are making their own adjustments and are less challenged by a lengthy absence of their parents and excessive interruptions of family routines), enabling uninterrupted family boding and breastfeeding, huge cost savings for insurance companies and those without insurance, and increasing the likelihood of having a deeply empowering and profoundly positive, life changing pregnancy and birth experience.

We are not contracted with any insurance companies, which allows us to provide the kind of personalized service and dedicated time that our patients value.

More importantly, while Recchia's constituents were neglected and let down by his lack of action and advocacy, Michael Grimm gave Brooklyn and Staten Island residents, and millions of homeowners across the country, the Homeowner Flood Insurance Affordability Act, which lowered their flood insurance premiums and stabilized homInsurance Affordability Act, which lowered their flood insurance premiums and stabilized hominsurance premiums and stabilized home values.

«The BLISS score would travel with people across their life history and have intrinsic value that can be used to lower premiums on health and life insurance, obtain more favorable mortgage interest rates, and which can be monetized.»

Over time, flood maps may have to be redrawn, which will have an impact on property values and insurance rates.

In order to achieve best value, Brunts Academy decided to use the national public sector Insurance Services framework agreement (RM958), which was developed collaboratively by Pro5 of which YPO is a member and Government Procurement Service.

* If your car is written off, BetterCar Value Insurance will replace your vehicle with the same model, which is one year newer.

I think most countries have some kind of official or well know appraisal organizations which give official book values for vehicles which are used by the general public as a guideline for buying and selling, and by insurance companies for calculating payouts when cars are wrecked.

A potential buyer unaware of insurance claims will likely not know of accidents or other incidents which may have lowered the value of the vehicle.

Insurance typically pays the vehicle's actual cash value rather than the amount remaining on your loan or lease, which could leave a financial «gap» of thousands of dollars.

The locally assembled Ssangyong Actyon with automatic transmission goes for RM 91,989.20 for private registration exclusive of insurance, which costs an additional RM 2,627.90 for an insured value of RM 91,000 and also a further RM300 for front windscreen insurance.

[80] Business Week reported that the rising values of so - called «nerd cars» [82]-- ugly 1970s - era cars [83]-- prompted the CEO of a major collector - car insurance company [84] to buy a Pacer [80] which has «inexplicably appreciated substantially beyond the $ 2,300 that he paid for it in 2004.»

A lender will typically lose twenty percent of a home's value during the process of default and foreclosure, which explains the requirement to put 20 % down to avoid paying mortgage insurance.

You can surrender a non-term life insurance policy and receive its surrender value, which may be substantially less than its cash value.

If your vehicle is demolished in an accident or stolen and not recovered, your insurance company will pay you the vehicle's actual cash value, which is its market value adjusted for things like depreciation and mileage, minus your deductible.

Better loan performance and rising home values pushed the group's Mutual Mortgage Insurance fund to an expected balance of + $ 7.8 billion, which was its largest reserve balance in several years, and which made the move possible.

Value Penguin also wrote a review about Alfa Insurance, which contains both positive and negative information.

Your free online whole life insurance quote will include cash value projections, which are a key feature.

Cash value life insurance policies are an asset, which creditors can take away while the insured is still alive.

If you die as the direct result of a vehicular, air, or sea accident that you did not deliberately cause, your insurer will pay your beneficiary the accidental death benefit, which is normally twice the value of your insurance policy's face value.

However, this option is typically only available once your life insurance policy's cash value has reached a certain size, which may take five to ten years of paying premiums.

With conventional automobile insurance, your car is typically covered only up to its actual cash value, which is equivalent to its replacement cost minus depreciation.