Sentences with phrase «value policy if»

While companies will sell you an actual cash value policy if you ask them very nicely, let's look at this in practical terms.

While companies will sell you an actual cash value policy if you ask them very nicely, let's look at this in practical terms.

You will also need the more costly cash value policy if you purchase life insurance for the purpose of leaving a charitable legacy, Simmonds said.

Not exact matches

If the price of Bitcoin goes up, your option expires like an unused insurance policy and the coins you own go up in value, where you get a profit.

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.

Martin Moen, the director general at Global Affairs Canada who oversees North American trade policy, told a conference in Ottawa earlier this month that it would be «very difficult to see a path forward» for NAFTA if the U.S. continued to insist on changes that would constrain cross-border commerce, such as a the suggestion that the value of U.S. government contracts won by Canadian and Mexican firms should match the value of contracts American companies secure in Canada and Mexico.

«If you have ample funds and are looking to get rid of a little every month, it would not be irrational to buy a whole - life, universal - life or variable - life policy, where the cash value grows income tax - free as long as the policy is held until death,» Hunt said.

«But if that policy is worth $ 5 million, your company's value will automatically be $ 5 million higher after your death.

So, if you had a $ 250,000 whole life policy in place for 10 years and the cash value was $ 25,000, in the event an emergency came up you may be able to borrow up to $ 25,000 from the insurer.

If you have a participating cash value life insurance policy, it means you're eligible to receive a dividend.

If you are older and want a permanent life insurance policy, perhaps to cover estate taxes or leave an inheritance, guaranteed universal life insurance provides lifelong coverage with little to no cash value component.

A life insurance policy's cash value is essentially the amount of money you would receive if you decided to give up the policy to the insurer, or surrender your coverage.

The cash value is essentially what you would get if you decided to give up coverage and surrendered the policy to your insurer.

(Keep in mind, however, that withdrawing or borrowing funds from your policy will reduce its cash value and death benefit if not repaid.)

You also have the option to purchase an owner's policy if you'd like to be covered for the full home value, not just the loan amount.

This option is usually only available with universal life insurance policies and is somewhat risky because your policy will lapse if its cash value reaches zero.

If they lived past their policy's maturity date, policyholders lost their coverage and received little cash value in return, since the funds had been used to pay premiums.

In addition if the loan, plus unpaid interest, exceeds the size of the cash value, your policy will lapse and you can lose your coverage.

¹ Access to cash values through borrowing or partial surrenders will reduce the policy's cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

lets say jgbs yield -1 % and the boj pays the banks plus 5 %, if this policy is credible in anyway it will only be so to the extent that banks are willing to hold an unlimited quantity of this asset as a store of value.

There are no taxes if you take out a policy loan, so long as the policy remains in effect (meaning the outstanding loan and interest don't exceed the cash value).

However, this benefit is available only if you've paid enough into the policy that it has a sizable cash value.

Permanent life insurance policies with a cash value component typically only make sense if you need lifelong coverage and have a large investment portfolio that you want to diversify.

If the institution is able to effect a change in corporate policy, its ten shares will produce a $ 100 paper gain when the stock price rises to reflect the company's new value.

If you die during the grace period, your beneficiary will receive the full value of the death proceeds of your life insurance policy minus any premium that is owed to your life insurance company.

Further, if the death benefit exceeds the policy cash surrender value, the proceeds received by the beneficiary after the client's death will also be income tax - free.

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.

This clause provides that if the policyholder fails to pay the premiums on a life insurance policy, the insurance company may automatically use the accumulated cash value to pay the premiums.

Furthermore, the withdrawals may not be taxable if you utilize the tax - favored withdrawal provisions cash value policies offer.

If you work for a company that does not offer a qualified retirement plan (or does not offer a life insurance option in an existing plan) or if you have already contributed the maximum amount to your qualified retirement plan, a cash value insurance policy can offer some of the tax benefits of a qualified retirement plaIf you work for a company that does not offer a qualified retirement plan (or does not offer a life insurance option in an existing plan) or if you have already contributed the maximum amount to your qualified retirement plan, a cash value insurance policy can offer some of the tax benefits of a qualified retirement plaif you have already contributed the maximum amount to your qualified retirement plan, a cash value insurance policy can offer some of the tax benefits of a qualified retirement plan.

This strategy is appropriate if you want to maintain access to the policy's cash surrender value during your lifetime but want to leave the death benefit proceeds to charity.

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.

If you decided to surrender your life insurance policy or were unable to get a life insurance settlement, the policy's cash value would determine whether you had to pay any taxes.

If you have valuable computer equipment or technology that mostly stays in your home, both types of policies should help you recover the lost value of those items after covered events, such as a fire or theft.

You wouldn't owe any taxes if the life insurance policy's cash surrender value was less than the amount you had already paid in premiums.

For example, if a «normal» level of short - term interest rates is 4 % and investors expect 3 - 4 more years of zero interest rate policy, it's reasonable for stock prices to be valued today at levels that are about 12 - 16 % above historically normal valuations (3 - 4 years x 4 %).

However, if the loan amount exceeds the cash value, the policy might lapse and you would have to pay taxes on the loan.

The cash value is essentially how much money you would receive if you decided to surrender the policy to the insurer.

Rapid declines in asset values might evoke a monetary policy response if they were thought likely to have a significant economic effect.

He notes, too, that those saving for college may also be positioned to assume greater risk in their 529 portfolio if they otherwise have sufficient assets in an IRA or cash value life insurance policy from which they could potentially borrow for college expenses penalty - free.

Whether you want income replacement so your spouse can maintain their lifestyle if you pass away or enough coverage to send your children to college, there's a wide range of policy values available.

Since the growth of your policy's cash value is tax - deferred, variable life insurance might be a good consideration if you've maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

A term life insurance policy offers coverage for a specified period of time, meaning that if you die during the term of the policy the beneficiary will receive the specified payout (also known as the death benefit or face value of the policy).

If you're considering permanent life insurance, but are wary of the complexity of the policy and not interested in the cash value or investment benefits, guaranteed universal life insurance is a less expensive way to purchase nearly - lifelong coverage.

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.

This feature guarantees that the policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy policy will not default, even if the cash surrender value falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy Vvalue falls to zero or below, provided that the Death Benefit Protection Value remains greater than zero and policy debt never exceeds the Policy VValue remains greater than zero and policy debt never exceeds the Policy policy debt never exceeds the Policy Policy ValueValue.

It guarantees that the UL policy won't lapse, even if policy values drop to zero, as long as the policy meets premium payment, loan and other conditions.

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.

If not, what kinds of regulatory standards could also facilitate a «low» policy that respects existing cultures, encourages critical discourse, values history and empowers even religious institutions?