Cash
value policies simply add additional money to the required premiums to create the cash accumulation.
Not exact matches
In the case of limiting exports of refined fuel to B.C., he said, the government could argue it is
simply pursuing a
policy of enhancing
value by relieving a glut of unprocessed oil from the oilsands for the good of its citizens.
Alternatively, you can opt not to touch the
policy's cash
value until it's fairly large, and then
simply skip paying premiums later in life.
We
simply can not afford to formulate public
policy on the assumption that all living relationships are of equal
value to society.
Indeed, it is
simply remarkable that those people responsible for educational and social
policy during the past three decades can not make the obvious connection between the deplorable state of education, the multiple tragedies of the inner cities, and the virtual elimination of religiously informed
values from American public life.
Creating new resources, processes, and
values is hard and gradual work — The temptation of any reform agenda — especially one as rational and intuitive as competency - based education — is to imagine that vis - a-vis
policy change or of their own will, schools can
simply flip a switch and suddenly exist in this new, mastery - based paradigm.
For example, VAMs are useful «for researchers comparing large groups of teachers to investigate the effects of teacher training approaches or educational
policies, or
simply to investigate the size and importance of long - term teacher effects... [I] t is clear that
value - added scores are far superior to unadjusted end - of - year student test scores» (Haertel, 2013, p. 23).
While many school districts and libraries have a
policy honoring parents» wishes that their own children be given alternate assignments for class readings that conflict with their morals or religious beliefs, in far too many instances schools cave in to parental outrage and
simply remove a book from class reading lists; when the angry mob gets loud enough or politicians up for re-election on the «family
values» ticket need to make some noise, they've even resorted to pulling the access to the book, removing it from school and public libraries and classroom borrow shelves.
Whether you want to get rid of your coverage and cash out your life insurance or
simply take out a loan, there's a variety of ways to take advantage of your
policy's cash
value.
Alternatively, you can opt not to touch the
policy's cash
value until it's fairly large, and then
simply skip paying premiums later in life.
Short of
simply cancelling these
policies for the cash
values in them at present, are there any strategies which might rescue those
policies at this late date?
Dividend
policy simply determines whether investors end up with a share
valued at $ 20, or a share worth $ 19 plus $ 1 in cash.
The capital gains portion represents the additional
value from selling the
policy versus
simply cashing out the cash
value of the
policy.
Simply put, paid up additions accelerate the accrual of cash
value within the
policy.
Simply put, not all cash
value policies are created the same AND it is important to understand key differences in order to design the best life insurance for you.
With a variable life insurance
policy, you can make a series of withdrawals from the
policy's cash
value, make a single large withdrawal or
simply use the cash
value as collateral in a
policy loan.
An indexed universal life insurance
policy, aka IUL insurance, or
simply IUL, is similar to traditional universal life (UL) in that it offers a death benefit and a cash
value account that increases over time.
But here's the real kicker: When you take out a
policy loan, you're borrowing from the insurance company's general fund, NOT from your own cash
value directly, which instead is
simply the collateral for the loan.
To make this strategy more appealing
simply securing a death benefit, a cash
value life insurance
policy can be used to improves the overall performance and strategy.
Some
policies, however,
simply disburse the cash
value or pay out the death benefit if the insured lives to maturity.
You need a
policy with replacement cost, because actual cash
value coverage for electronics and other expensive items
simply isn't practical.
If you're looking at canceling your whole life
policy just to get at the cash
value it contains, then you should know that there are more options available to you than
simply surrendering the
policy.
These
policies simply sit on top of your existing renters insurance
policy and offer additional coverage for specific items of agreed
value.
These days most
policies simply include full replacement
value and do not set a maximum dollar amount, so you're covered even if the insurance company underestimated how expensive it would be.
Although the cash
value in your
policy is «your» money, you can't
simply withdraw it as needed, as you would cash from a savings account; but you do have limited access to your funds.
Simply put, some companies are more flexible than others when it comes to premium design AND «paid up additions» (which is adding cash
value to your
policy) and structuring a
policy that suits your goals.
After all, you could
simply cancel your
policy and have the surrender
value reimbursed to you by the life insurance company.
Alternatively, if it is determined that the
policy has real economic
value to keep, the advisor and client should consider whether it makes more sense to
simply keep the
policy to benefit directly from the long - term
value of the death benefit, rather than sell as a life settlement (since by definition, if it's valuable to a buyer to purchase, it's valuable to the seller to keep it!).
If the context behind the arguments is not included, the public just sees dispute, and can
simply lump a science fight with those over abortion, gun rights, energy
policy and other issues framed by ideology or
values as much as (or more than) data.
It is not legitimate and certainly of no scientific
value (although there may be political
value) to attack a prediction because you don't like the consequences, or you don't like the sort of people who are happy with the prediction, or you don't like the people who made the prediction, or you don't like the sort of
policy responses that prediction might suggest or encourage, or even if you
simply see yourself as a challenger of consensus views in the name of some ideal or other.
Perhaps most
value can be found in the ultimate recommendation that a firm considering engaging in social media should «consider having a
policy in place» (I would have said,
simply, «should») that addresses a number of key points such as «strategy», rules of «engagement», training and the like.
Simply introducing yourself and voicing your concerns about innocence - related
policy issues, you can help establish useful relationships to help them see the
value of supporting progressive legislation.
By
simply introducing yourself to your legislators and their staff before the session starts and providing a brief overview of innocence - related
policy concerns, you can establish useful relationships with them and help them see the
value of supporting legislation that would protect the innocent.
These days most
policies simply include full replacement
value and do not set a maximum dollar amount, so you're covered even if the insurance company underestimated how expensive it would be.
This results in a
policy with a higher initial cash
value than would be the case if the original
policy were
simply surrendered and a new
policy purchased
Non-Direct Recognition: Non-direct recognition
simply means the company does not recognize an outstanding
policy loan when determining interest and dividend paid on your
policy's cash
value.
And just like the example above, when looking at the price tag of a 20 or 30 year term life insurance
policy, in some situations, the grandparent will
simply elect to take the slightly more expensive cash
value whole life insurance option rather than saving a few bucks and choosing a term life insurance
policy for their grand kids.
The cash
value can also
simply be withdrawn, avoiding interest expense charges (subject to
policy limits).
In a
policy loan, you're not actually withdrawing the cash
value — it's
simply being used as collateral on the loan.
Simply put the
policy valuation of an insurance
policy is a representation of the
policy's current
value, this is particularly significant in...
You might also choose to
simply leave it alone with the possibility of increasing your
policy's cash
value over time.
Some
policies, however,
simply disburse the cash
value or pay out the death benefit if the insured lives to maturity.
If you're looking at canceling your whole life
policy just to get at the cash
value it contains, then you should know that there are more options available to you than
simply surrendering the
policy.
You want to evaluate all of these items instead of
simply making a decision based on premium amounts because these things combined are what comprise the true
value of a
policy.
However, if the underlying index performs poorly in a given year, the
policy holder's cash is protected, and he or she will have their cash
value simply credited with a 0 %.
Of course, there are other reasons to buy life insurance, beyond
simply not paying taxes on your
policy's
value.
You
simply let your insurer know and they will pay you the life insurance
policy's net cash
value.
It's
simply to protect you from having a large outstanding balance after your regular insurance
policy has covered the
value of the vehicle.
Whether you want to get rid of your coverage and cash out your life insurance or
simply take out a loan, there's a variety of ways to take advantage of your
policy's cash
value.
To put it
simply, variable universal life insurance is a
policy that allows you to build cash
value inside of the
policy and also has an investment component to the plan.