Sentences with phrase «value of the policy while»

When you die, the life insurance company gets the cash value of the policy while the death benefit is paid out to your beneficiaries.

This return of premium feature allows individuals to enjoy the value of the policy while they are still alive, and this feature is a popular one with many shoppers.

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.

While banks are offering interest rates of 1 percent or less (taxable), many cash - value policies are currently offering tax - free growth of about 5 percent.

While the Fed's zero interest rate policy has yet to lever much in the way of a domestic spending rebound, no one can doubt its ability to drop the value of its currency.

While the cash value feature is an attractive option it's important to remember, though, that tapping into the cash value of a life insurance policy reduces its value and death benefit and increases the chance the policy will lapse.

Had the individual purchased permanent life insurance, he or she could have access to a potentially significant source of supplemental retirement income in the future (depending on the policy type), while preserving the death benefit in perpetuity (note, however, that the death benefit and cash value of a policy is reduced in the event of a loan or partial surrender, and the chance of lapsing the policy increases).

While the more educated may smirk about such articles, there is a lot of value in helping people analyze and understand the book upon which they place their beliefs, especially when it becomes legislation and policy that affects people outside the religious bubble.

Mr Joyce said while Labor's policy to restrict negative gearing to new properties will make houses more affordable, it will erode the value of houses and pose a risk to banks.

Zaha would also provide Premier League experience while his age means he fits in with chairman Daniel Levy's policy of signing players who will not lose their value in the transfer market.

While pushing for more recognition and value of domestic work in our policies, Valenti illuminates how envisioning parenthood as a «job» breeds more perfectionism and self - flagellation among women.

At the time he said within a short space of time, the Ghanaian worker will experience improved wages, reduced cost of living, increased job opportunities, with a value addition in industrialisation to create jobs with good pay across Ghana, while maintaining a safe and peaceful worker environment necessary for the progressive programmes and policies that the NPP have for the people of Ghana.

- while believing that, given the inconclusive outcome of the General Election, the creation of the coalition and its policy programme as set out in the Coalition Agreement was the best available option for promoting Liberal Democrat policies and values during this Parliament -

[8] Blair put forward a case for defining socialism in terms of a set of values which were constant, while the policies needed to achieve them would have to account for changing society.

But the Lib Dem opposition seems to run deeper than that - and, as Stuart has argued for a while, this continues to be puzzling, insofar as the policy clearly exemplifies the values implicit in a deep strand of the Liberal Party's political thought throughout the twentieth century.

Things are even trickier with housing where Tory policies such as «pay to stay», Right to Buy for housing association tenants, and forced sales of high value council homes, have all made things worse while claiming to make things better.

Since your employees are going to be representing your company, they need to have knowledge of what your company's values and policies are, all the while dealing with customers of various temperaments.

The value in reviewing policies regularly is that, in the event of litigation, such evidence can go a long way in convincing courts that educators are doing their best to be up - to - date in maintaining safe, orderly schools while safeguarding the rights of all in school communities in the face of rapid changes in the world of technology.

Therefore, our approach is to pursue timely change — policies based on long - term consideration of Singapore's future, while preserving timeless constants — values that provide navigation beacons in the turbulence of change.

While state education policy makers differed by party in their responsiveness to teacher voices, they did not discriminate between the value of individual and organized voices of school leaders.

The four authors are distinguished academics, and their careful analysis of the goals and values and, to a lesser extent, the current research in education policy, speaks to another era, one in which those trained in analytic thinking at premier universities found themselves entrusted with the opportunity and the time to draw upon that thinking while being somewhat protected from the slings and arrows of political fortune.

More generally, while research can evaluate the effectiveness of policies that use value - added measures, research can never determine the optimal approach for a given district or school.

The best policy is likely to push these decisions about teacher compensation downward below the district level to the school level, as the teachers» present management will likely be better positioned to judge the value and relevance of teachers» (often commendable) efforts to improve their subject knowledge than is the personnel office of a huge, wasteful district like LAUSD, while making these decisions at the state level is even less likely to prove efficient.

While DeVos acknowledged that not every state will choose to implement programs that give parents the most choices, she noted that the federal government will encourage such programs, and she emphasized the value of federalism, regardless of what states choose to do in the realm of education policy.

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.

Money Back and Endowment policy were launched to seek maximum customer value while giving the benefit of protection.

Therefore, while you may be able to borrow nearly the entire amount of the policy's cash value, this can be incredibly risky.

Some home insurance policies cover the replacement cost of a house, while others cover only the market value.

While Gerber heavily markets their Grow - Up and College Plans for children, the company's adult and senior life insurance policies are of higher value.

While key employee life insurance is usually purchased for high - earners, you should note that the face value of the policy is often limited to a multiple of the insured's income, such as 10X.

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.

All the while you are taking advantage of the principle of compound interest, without disturbing the cash value principle in your policy!

However, some people are fortunate as they can tap into their savings or cash value life insurance policy for their survival for a few months without working, while other can't afford to stop working for long periods of time.

While the primary purpose of life insurance is to provide a death benefit to those you leave behind, some life insurance policies have a cash - out value as well.

This structure of a whole life policy will allow the majority of your premium to go toward the cash value savings, while very little goes toward agent commissions and the cost of insurance.

And while term insurance is sold for specific periods of time, typically anywhere from 5 to 30 years, a cash value insurance policy is usually considered to be a permanent life insurance policy, as these products are designed to remain in force for your entire life.

With a number of ways to use the money that builds up in the cash value account, such as taking out a life insurance loan or paying insurance premiums, the flexibility these policies offer make them attractive to individuals looking to build up savings while at the same time securing insurance coverage providing leverage in the form of a death benefit payout.

Cash value life insurance refers to a type of life insurance that, in addition to paying out a death benefit to your beneficiary or beneficiaries upon your death, accumulates cash value inside the policy while you are alive, that you can use for whatever you please.

While it's not the core benefit of the policy, Symetra's guaranteed universal life insurance also builds a cash value with a guaranteed 2 % annual interest rate.

So, if you had a $ 500,000 death benefit and your insurer capped the amount you could accelerate at «the lesser of $ 250,000 or 75 % of the policy's face value», you could request up to $ 250,000 while still living.

... because as the policy vests to your key employee, the premiums can become tax deductible for your business AND prior to vesting, while your business owns the policy, you can access the cash value for your business operations for all of the other reasons discussed above.

While some of the cash value in the policy may be protected by bankruptcy laws, any amounts that exceed the protection limits can be seized by the court.

No more lapses As the policy premium is single and is paid up in a lump sum, therefore, you do not have to stress over policy getting lapsed in a case of premium non-payment hence, making the policy valid for the entire policy term, which creates a good cash value while you render policy benefits in the end.

Their policy's liability would pay you actual cash value for your stuff, while your personal property coverage would generally pay the replacement cost of that property.

Security of fixed premiums and payout Whole life insurance may allow you to build cash value inside the policy while safeguarding your family, should anything happen to you.

Use this form to request a loan against the cash value of your policy, while still maintaining your insurance coverage.

Life products have several options which will ultimately affect the overall value of the policy to you while you are living (cash value) and the value to your beneficiaries at your passing (death benefit).

While your monthly premium usually won't change with whole life, you can generally borrow against the cash value of your policy with favorable terms.

If a policy expires, you may decide to increase the value, drop the value or do away with coverage completely, all doing so while investing the least amount of dollars possible.