Sentences with phrase «value of a policy over»

As you increase the value of the policy over time, you might wonder what happens if you get jammed up financially.

She encourages her clients to think about how much life insurance fees would grow over time if invested elsewhere, then compare that to the cash value of a policy over the same term.

Not exact matches

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.

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

Many banks will also require a borrower to insure an asset being purchased over the course of a loan (with an insurance policy acquired for that purpose), to protect the value of the asset being purchased with the loan proceeds.

Consider these risks before investing: The value of securities in the fund's portfolio may fall or fail to rise over extended periods of time for a variety of reasons, including general financial market conditions, changing market perceptions, changes in government intervention in the financial markets, and factors related to a specific issuer, industry, or sector and, in the case of bonds, perceptions about the risk of default and expectations about changes in monetary policy or interest rates.

In terms of taxation, the excess of the cash surrender value of the policy (plus any outstanding loans) over your basis in the contract is treated as taxable income.

The point of the chart above is to illustrate that those with an agenda to ride the trend and look smart are correct when they state that the US stock market is not particularly over valued... if one shuts off one's brain and accepts policy (blue Monetary Base line, which is but one of several money supply measures) as being at all normal or healthy.

Lifetime Builder ELITE also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

Many types of permanent life insurance policies increase in value over time based on interest rates.

It also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

The Anti-Intellectual Presidency: The Decline of Presidential Rhetoric from George Washington to George W. Bush by Elvin T. Lim Oxford University Press, 208 pages, $ 24.95 In our times, we are not surprised that in policy statements slogans will be valued over explanations and parsimony of words....

They were the party of God, and a halo of sorts hovered over their public policy positions on «family values.»

• «The seedbed of our policy - making is a culture that values individualism over community and the accumulation of goods over the common good.»

Michael Sligh Organization Representative: Rural Advancement Foundation International (RAFI - USA) Michael Sligh has worked for over 30 years as a Program Director for RAFI - USA where he manages policy, research and education for the promotion of organic, agro-biodiversity, organic seed development, and a wide - range of food justice, fair trade and other value - added food labeling, policy and marketing issues.

Corn subsidies and continued policies that put the value of a buck over the value of a child are why we see such a drastic increase in childhood obesity.

We want a government that values all individuals and reflects this in policy and legislation and which does not privilege the demands of religious people over the needs and rights of others.

Amongst the population as a whole, we found that over half of Brits (52 %) feel that that the biggest influence on their vote is the values of the party, rather than hard policy issues (which polled at 27 %).

A Labour policy rooted in those values might be that no state - funded school should be allowed to select pupils on the basis of the professed faith of their parents, or privilege children of the same religious background over those whose parents do not believe in a god.

Tea Party after Tea Party, poll after poll, legislative obstacle after legislative obstacle — they all indicate that his policy agenda couldn't be more out of phase with the values of the American people, who are literally beside themselves over his reckless fiscal and national security policies.

Our European Union «border» now lies completely open to over 400 million EU citizens, with the immigration policies of successive governments already having perilously diluted our common values.

CO2Chem brings together academics, industrialists and policy makers over a wide range of disciplines to consider the utilisation of carbon dioxide as a single carbon chemical feedstock for the production of value added products.

Reporting on the statistics The effects of this disastrous triumvirate on the education pipeline is made apparent in the NSEAD Survey Report 2015 ‑ 16, that asked how, over the last five years, has government policy impacted on art craft and design education, looking at curriculum provision in art and design, the value given to art and design in schools and colleges, professional development opportunities and the well ‑ being and workload of art and design teachers.

A 1999 study by the Center for Research in Educational Policy at the University of Memphis and University of Tennessee at Knoxville found that students using the Co-nect program, which emphasizes project - based learning and technology, improved test scores in all subject areas over a two - year period on the Tennessee Value - Added Assessment System.

Behind closed doors, insiders may or may not have exchanged their opinions on value - added evaluations, but since the evidence required for a meaningful debate over the real world effects of those evaluations did not exist, I wonder if the lack of research on the policy implications of value - added was considered.

The fight over The Project School cuts to the heart of what makes charter schools different and once again highlights an instance in which reconciling two prevailing values of the state's current education policy regime is far from simple.

All public policy decisions reflect a set of choices, and Mayor de Blasio and teachers union head Michael Mulgrew have just decided they value retroactive pay over the security of the city's pension plan.

However, the essence of their respective educational policies are alarmingly similar: marketization and privatization of public schools; pockets of «success» valued over educational justice; teaching discounted as a profession; compliance trumping professional responsibility; free market competition as the arbiter of all; and test - centric, data - driven regimens that crush student - centered quality teaching and learning.

Beginning this fall, in Collier County Florida as per the state of Florida's new teacher accountability policy, district teachers / administrators are to create new tests for each and every class it offers (including all electives) to hold all teachers accountable for the value they purportedly add to student learning and achievement over time.

In examining the issues and exercise of power that are sustained in the long - standing policy of standardized testing in schools, this work provides a big picture perspective on assessment practices over time in the U. S.; by examining the rise of value - added assessment in Tennessee, a fine - grained and contemporary case is provided within that larger context.

Developing that ability is a process that evolves over time and requires that individuals and organizations have a defined set of values, principles, policies and structures that enable them to work effectively in a cross-cultural manner; demonstrate the capacity to value diversity and manage the dynamics of difference while also engaging in self - reflection and adapting to changing contexts; and incorporate these concepts into all aspects of leadership, policymaking and practice.

In a nutshell, while most whole life insurance is fixated on maximizing the death benefit of a policy and just allowing cash values to grow over time, strategic self banking focuses on maximizing life insurance cash values, so the whole life insurance plan can be used strategically as a savings and personal financing vehicle for the purpose of recapturing your cost of capital incurred when having to deal with third party lenders or using your own cash.

Historically, the outperformance of value has been associated with a rising interest - rate environment; as the US Federal Reserve Board (sometimes referred to as «the world's central bank» for the far - reaching impact of its policies) attempts to begin raising rates, we see a potential catalyst for a value recovery over our long - term investment horizon.

The value of your policy will continue to increase over time and offers you a fund that you can tap into if needed.

You pay a flat premium over the duration of the policy, but the face value (death benefit) of the policy decreases over time.

Whole life insurance is a type of permanent life insurance policy that accumulates cash value over time.

The downside of a family income policy is that it decreases in value over time.

The main difference between term life and permanent insurance is that term insurance only pays death benefits to your beneficiaries, while permanent life insurance pays out death benefits and accumulates cash value which will continue to build up over the life of the policy.

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.

In addition to paying death benefits, it also has a cash value accumulation feature which grows over the life of the policy.

Whole life insurance (cash value life insurance) offers a permanent accruing death benefit as well as accruing cash value within the policy over the life of the policy holder based upon mortality tables.

Indexed universal life insurance offers greater control over the performance of your policy's cash value growth, since you're not relying on a figure determined by the insurer and their performance.

Because the death benefit amount of your cash value life insurance policy may change over time as its cash value grows, make sure to specify a percentage of the proceeds to go to your beneficiaries rather than selecting a dollar amount.

The combination of the 100bps extra cost of the discount window over the policy rate and the haircut would be a sufficient incentive not to abuse the discount window if there were a meaningful market price at which the securities offered as collateral could be valued.

Sadly, over 70 % of the life insurance policies sold today are cash value policies.

It also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

When enough cash value has accumulated in your policy, you can use it to make premium payments over the lifetime of the policy, eliminating the need to make out - of - pocket payments.

The benefit of whole life insurance policies is that they build cash value over time, which is a fund that can be borrowed against or withdrawn.

Lifetime Builder ELITE also offers the potential to accumulate greater cash values over the life of the policy than other fixed - interest permanent insurance products.

Over the life of the policy, you can borrow money against the accrued value.