Sentences with phrase «value of these policies when»

But if you're going to view an insurance policy as an income vehicle during retirement, you have to consider the value of that policy when it comes time for it to begin paying you.

This is because the cash value loan value (known in the tax world as boot) is the gross value of the policy when it lapses.

The title insurance is there to protect you up to the value of the policy when something does go wrong.

Not exact matches

He obviously didn't have much to say about the value of «innovation clusters» or the appropriate tax policy when it comes to stock options.

California's «NEM 2.0» policy has created a clear migration path to continue to allow solar customers to receive fair compensation for the solar power they produce even as the adoption of solar increases, and implicitly encourages the adoption of battery storage by assigning a higher value to electricity provided when the grid needs it most.

Think of it as a homeowner who borrows based on the inflated value of a home: When this «carbon bubble» bursts — for example, when governments finally enact policies to restrict or penalize the burning of carbon — the devaluation of fossil fuel reserves may be even worse than the housing bubble that sent shock waves down Wall Street five years When this «carbon bubble» bursts — for example, when governments finally enact policies to restrict or penalize the burning of carbon — the devaluation of fossil fuel reserves may be even worse than the housing bubble that sent shock waves down Wall Street five years when governments finally enact policies to restrict or penalize the burning of carbon — the devaluation of fossil fuel reserves may be even worse than the housing bubble that sent shock waves down Wall Street five years ago.

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.

«I've had clients for 20 years thank me for advising them to convert from term life to permanent life insurance when they did... The value of the policy can grow significantly,» he said «It's a very useful planning tool.»

Of course we did have Powell and little brainer discuss head wins to tail wins which is on the growth of the international economy but everybody goes through currency value when discussing interest policieOf course we did have Powell and little brainer discuss head wins to tail wins which is on the growth of the international economy but everybody goes through currency value when discussing interest policieof the international economy but everybody goes through currency value when discussing interest policies.

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.

When policies do not presume or promote objective values, the resulting moral relativism, instead of leading to a society that is free, fair, just and compassionate, tends instead to produce frustration, despair, selfishness and a disregard for the life and liberty of others.

Educational policy within that milieu of collapsed value failure is a totally different type of task when values in society have collapsed.

His elder brother appeared to raise his eyebrows at this point, as he did when Ed Miliband implied there has been a lack of «values» in foreign policy under Labour.»

Americans have always recognized the value of science to foreign policy — even during the Revolutionary War when commanders of the opposing forces allowed U.S. and British scientists to move back and forth across battle lines.

«The basic idea is that when you have costs or benefits from some sort of regulatory policy that will happen in the future, if you want to know the value today, the standard practice is to discount them by a certain degree,» he said.

Our goal is that our descendants will think back to this generation and be convinced that we carefully considered their interests [when setting climate policy],» said co-author Marc Fleurbaey, the Robert E. Kuenne Professor in Economics and Humanistic Studies and professor of public affairs and the University Center for Human Values.

Another major ethical challenge results from the variability in the predictive value of genotypic information and how such information can be used to inform risk management policy when our understanding of risk is inexact.

They're attuned to the challenges that kids can face, the easy - to - overlook value of a choral group or an arts project, and when the practical impact of policies seems arbitrary or unfair.

But it also decreases the value of the benefits received by risk - averse employees, which needs to be taken into account when evaluating the effect of the policy change on benefits.

Rather, policy makers — particularly Republicans — seem to be nonresponsive (and, in some cases, intentionally unresponsive) to the policy preferences of teachers when presented as an organized group, though they place relatively high value on the voices of individual teachers.

My survey included one experimental question and three universal questions, with each providing a nuanced understanding of whose voices state education policy makers value when making teacher evaluation policy decisions.

MPCP thus provides an excellent context for detecting the admission policies of private schools when a modest - value voucher program for low - income students is operating at scale.

When examined through the lense of EdLoC's Third Way Values and policy priorities, the punitive and extraordinarily short - sighted nature of the proposed programmatic cuts couldn't be clearer.

When examined through the lens of EdLoC's Third Way Values and policy priorities, the punitive and extraordinarily short - sighted nature of the proposed programmatic cuts couldn't be clearer.

Ultimately, we argue that the complexities of policy borrowing and implementation can be better understood when considered in relation to democratic societal values, especially as they are practiced in the school system.

In a new book, Stanford scholar Susanna Loeb encourages education policy - makers to consider the many different values of an education, beyond test scores, alongside available research evidence when crafting their decisions.

Infante, a constituent of Villaraigosa's, calls Democrats» trigger stance «beyond disappointing,» adding, «When you have the same exact education policies as the Republicans, then that tells you you've lost track of what your values are supposed to be.»

The article is titled «An Elusive Policy Imperative: Data and Methodological Challenges When Using Growth in Student Achievement to Evaluate Teacher Education Programs» «Value - Added,» and the abstract of the article is included below.

Dramatic changes may be necessary for principalships since schools need principals who value learning and who implement policies and practices that positively impact a school's performance, especially when new initiatives may take an average of five years to come to full implementation.

When the insured individual gets older, say age 75, if the objective of protection is no longer an issue, the insured has the option to surrender his policy and tap into the cash value as a source of income.

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.

You see, when a participating whole life insurance plan is properly structured to maximize the cash value, the cash value can become available relatively quickly depending upon the amounts deposited and the other details of the policy.

Naturally, a policy buyer would prefer the insured to be elderly, in poor health, with a policy that has low cash value and a high death benefit, because all of these factors might increase the buyer's yield - to - maturity on the policy when you die.

Make sure the policy you choose has the coverage you need in terms of level premiums, death benefits and cash value when it matures.

When the size of the loan exceeds your policy's cash value, the life insurance policy will lapse, meaning you lose your coverage.

When it comes to instruments, a harmonica might not be something you're too worried about but an individual violin, guitar or piano could easily be valued well beyond the standard limit of a policy.

When you borrow against your policy (use your cash value as collateral), you are still receiving dividends on your full cash value, AND you get the use of the cash on loan to invest in something else.

If your policy covers the replacement cost value, then you'll receive an amount equal to the value of the unit when it was first purchased — including inflation.

Form 712 states the value of your life insurance policies based upon when you died.

If you've insured your life for $ 500,000, this is the face value of your policy — the amount that goes to your beneficiary when you die.

This GUL policy often has one of the lowest premiums in the marketplace, making it an excellent choice when you are looking for permanent death benefit protection vs cash value accumulation.

The question of whether premiums are recognized as income for any of the above strategies is very fact specific, involving questions such as when the employee has access to the cash value in a insurance policy.

But when the insurer performs poorly, the cash value interest rate for a universal policy would be lower than that of a whole life insurance policy.

When this happens, if a cash value life insurance policy was used to fund a key person policy, the amount of the cash value can be taken out in the form of an easily accessible life insurance policy loan, with no origination costs, tax free.

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.

When you pay premiums, a portion of the money goes towards the policy's cash value, which grows according to a rate specified in the policy.

When you pay whole life insurance premiums, a portion goes towards paying the cost of insurance, some is put towards sales and administrative fees, and the rest of the money goes towards the policy's cash value.

When you make premium payments on a cash - value life insurance policy, one portion of the payment is allotted to the policy's death benefit (based on your age, health and other underwriting factors).

This is where the correctly - structured policy's benefit of underlying continued growth even when you've borrowed against the cash value comes into play.

What this means for your child is that if they are in need of student loans or other type of government aid, any cash value in his or her policy will not be taken into account when determining their eligibility for such aid.