Sentences with phrase «value of your policy with»

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.

Don't confuse the value of your policy with the market value of your home, which includes the land it's sitting on.

Don't confuse the value of your policy with the market value of your home, which includes the land your home is sitting on.

Those that pay only lip service to it, or are unable to prove the value of their policies with the metrics, risk falling behind in the race for the best people for the job.

Don't confuse the value of your policy with the market value of your home, which includes the land it's sitting on.

You can borrow against the cash value of the policy with no underwriting or credit check.

This is a great time to lock in the value of your policy with a 1035 exchange.

In my opinion, in a case such as this, the insured should receive damages above the face value of the policy with interest, in order to provide just compensation and deter this type of conduct.

Not exact matches

An adviser who earns a flat fee - such an hourly rate or a set percentage of your portfolio value - is much better aligned with you than an adviser who earns commissions for selling you particular mutual funds, insurance policies, or other products.

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.

And if you take a loan that is equal to the cash value of the policy, the insurance company will force the policy to lapse and you will be hit with a large tax bill.

«He has been terminated for conduct inconsistent with our values and in violation of our policies,» Michele Davis, a spokeswoman for New York - based Morgan Stanley, said Thursday in a statement.

Michael Pettis, a professor of finance and economics at Peking University, is an expert in the Chinese economy, and he has argued for years that China's trade surplus with the United States and the rest of the world is driven by much stronger forces that the value of the Chinese currency or differences in tariff policy.

«Veterans come to us with a sense of community and service for one another that adds tremendous value to Starbucks,» said John Kelly, senior vice president, Global Responsibility and Public Policy.

An advisor who earns a flat fee — such an hourly rate or a set percentage of your portfolio value — is much better aligned with you than an advisor who earns commissions for selling you particular mutual funds, insurance policies, or other products.

Due to the lifetime coverage and cash value, whole life insurance costs considerably more, meaning it can easily come to 10 times the cost of a term policy with the same death benefit.

The cash value behaves like an investment as it grows tax - deferred with interest, as determined by the type of policy, and can be used as collateral for a loan.

Cash value life insurance policies are sometimes referred to as 7702 life insurance, but this just means that they're compliant with section 7702 of tax regulation.

Both the findings from the poll and a series of anecdotal interviews conducted with Vancouver - area youth alongside the survey reveal that younger millennials in particular take a very pragmatic approach to engaging Asia, which may mean taking a step back from the values - driven foreign policy of previous eras and toward a recognition of the practical economic necessity of trading with countries such as China.

However, a large literature concludes that the equilibrium real short - term rate is very unlikely to be constant, with its value affected by many factors, including the pace of technological change, fiscal policy and the evolution of financial conditions.3

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.

Pursuant to the policy, as revised in February 2009, at each annual meeting of our stockholders, provided that the director has served on the Board for at least six months prior to the annual meeting, a non-employee director would be granted RSUs having a value equal to $ 225,000 divided by the lesser of (i) the trailing average closing trading prices of our common stock for the 180 - day period preceding and ending with the date of the RSU grant or (ii) such number of RSUs as the Board may determine based on additional criteria such as business conditions and / or company performance, outside director compensation practices at peer companies and advice from outside compensation consultants.

Prior to February 2009, the policy provided that at each annual meeting of our stockholders, provided that the director had served on the Board for at least six months prior to the annual meeting, a non-employee director would be granted RSUs having a value equal to $ 225,000 divided by the trailing average closing trading prices of our common stock for the 180 - day period preceding and ending with the date of the RSU grant.

«The Chinese government is set to announce a revision of its currency policy in the coming days that will allow greater variation in the value of its currency, combined with a small but immediate jump in its value against the dollar, people with knowledge of the consensus emerging in Beijing said Thursday.»

In addition to the non-employee director compensation policy, in connection with this offering, we adopted a director stock ownership policy encouraging non-employee directors to hold shares of our Class A common stock with a value equal to at least one times the fair value of the director's annual equity award.

In addition, in connection with this offering, we adopted an executive stock ownership policy encouraging Mr. Garutti and Mr. Uttz to hold shares of our common stock with a value equal to two and one times each of their annual base salaries, respectively.

In addition, we intend to adopt an executive stock ownership policy encouraging Mr. Garutti and Mr. Uttz to hold shares of our common stock with a value equal to two and one times each of their annual base salaries, respectively.

In addition to the non-employee director compensation policy, we intend to adopt a director stock ownership policy encouraging non-employee directors to hold shares of our Class A common stock with a value equal to at least one times the fair value of the director's annual equity award.

They can only be made consistent if Washington also unleashes an infrastructure building program, a policy initiative consistent with either of the other two, on a truly heroic scale — which, as an aside, I suspect would be a smart strategy under any circumstances as American infrastructure needs are so great that the consequent productivity increases would fully service the associated debt long before they stopped adding value to the economy.

The Washington - imposed economic policy of economic growth via mass - immigration shifts wealth from young people towards older people, it floods the market with foreign labor, spikes profits and Wall Street values by cutting salaries for manual and skilled labor offered by blue - collar and white - collar employees.

As Ron Hira, an Economic Policy Institute research associate and an associate professor of public policy at Howard University outlines in this blog for the Economic Policy Institute: «These two India - based IT firms specialize in outsourcing and offshoring, are major publicly traded companies with a combined market value of about $ 115 billion, and are the top two H - 1B employers in the United SPolicy Institute research associate and an associate professor of public policy at Howard University outlines in this blog for the Economic Policy Institute: «These two India - based IT firms specialize in outsourcing and offshoring, are major publicly traded companies with a combined market value of about $ 115 billion, and are the top two H - 1B employers in the United Spolicy at Howard University outlines in this blog for the Economic Policy Institute: «These two India - based IT firms specialize in outsourcing and offshoring, are major publicly traded companies with a combined market value of about $ 115 billion, and are the top two H - 1B employers in the United SPolicy Institute: «These two India - based IT firms specialize in outsourcing and offshoring, are major publicly traded companies with a combined market value of about $ 115 billion, and are the top two H - 1B employers in the United States.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

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.

By correlating diverse boards with greater board effectiveness and the promotion of long - term value creation, the association's recommendation transcends public policy debates and moral imperatives.

In the case that you pass, the policy beneficiaries should file a claim with the insurer, after which point the circumstances of your death will be reviewed and receive the payout (also called a death benefit or the face value of the policy) so long as everything is in order.

The table shows the average stock, bond and inflation conditions that have historically been associated with expected policy portfolio returns of greater than 10 % and less than 6 %, along with today's values for these conditions.

The table below shows an example of how the premium, cash value, and death benefit work with an ROP policy.

The percentage of the death benefit you can receive is generally less than 50 %, what qualifies as a terminal illness varies depending on your policy, and the payout you receive may be deducted with interest from the face value of your policy.

However, given the complexity of the policy, the additional costs correlated with permanent life insurance policies, and the potential to lose the entirety of the account's cash value, it's not recommended if your primary intent is to provide financial coverage in the case of your death.

Officials from both sides have said that the conversation will be focused on topics of shared values and priorities, but prior to the visit, Vatican Radio — which, according to USA Today «is considered an official organ of communication for the church «-- released a story addressing U.S. policy issues at odds with Vatican teaching.

She called religious freedom «a cherished constitutional value, a strategic national interest, and a foreign policy priority,» adding that it was an «essential element of human dignity and of secure, thriving societies, statistically linked with economic development and democratic stability.»

Although religious pressure groups are able to influence policy makers to act in ways that are in harmony with the values of particular religious communities, this plays a secondary role in relation to most public issues.

If America is to have a stable foreign policy, that policy will start not with looking at the map, but with understanding values (both those of foreign leaders and those of the American people) as they are, and not as we might like them to be.

With the emergence of the nation state, monetary systems and policies were developed based on the notion of a scarce money supply linked to gold and silver, the value of which was controlled by the nation.

They support the political party (GOP) that ostensibly stands capitalism and stand for and promotes individual achievment whle eschewing collectivism, yet they really are collectivists — just for their own world view of a conservative fiscal policy coupled with «conservative social values.»

In concrete fashion the document advances three values against which energy policies and technologies may be measured for their consistency with the goal of ecological justice: sustainability, equity and participation.

Election returns and public - opinion studies indicate discontent with some serious imperfections in recent liberal political policies and programs; studies also show that the general population does not want to give up the values of such programs and still wants additional selected government services.

Looking primarily to models based on quantitative research methodologies to provide a clear direction for policy in regulating media and violence can also distract policy makers from coming to grips with other difficult but more important value questions that impinge on the issue of media and violence, such as the purpose of broadcasting, issues of ownership and control of media, the international context of Australian media, the dominant economic nature of most of Australia's social communications, the distinctive ways in which the media reproduce and reconstruct myths and symbols of violence from within the culture, and how audiences use and respond to media myths and symbols.

The Consultation for Promoting British Values in School is a hastily thrown together set of amendments to the Independent School Standards (2013) which ensured all independent schools» activities and teaching be informed by the 2010 Equalities Act.The consultation proposes strengthening the Independent School Standards regulations and extending these to all schools (state and independent), emphasising that a school's «written policy, plans and schemes of work -LSB-... must] not undermine the fundamental British values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs.&Values in School is a hastily thrown together set of amendments to the Independent School Standards (2013) which ensured all independent schools» activities and teaching be informed by the 2010 Equalities Act.The consultation proposes strengthening the Independent School Standards regulations and extending these to all schools (state and independent), emphasising that a school's «written policy, plans and schemes of work -LSB-... must] not undermine the fundamental British values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs.&values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs.»

Attendees will learn the steps needed to engage purveyors in collaboration for sustainability, understand the value of aligning dining with the institutional mission and be able to craft a Sustainable Dining Policy.