Sentences with phrase «years at a guaranteed rate»

Term life insurance will generally be renewable for a specified number of years at a guaranteed rate.

Not exact matches

With whole life insurance, the policy's cash value is guaranteed to grow at a certain rate each year and you can:

The other provinces would have access to Canada Pension Plan surpluses, in proportion to the contributions made by their residents, through the sale of provincial bonds and provincially guaranteed securities on 20 year terms at the long - term federal bond rate.

At a federal - provincial finance ministers» meeting in December 2012, the Finance Minister announced that, starting in 2017 - 18, the rate of growth in the Canada Health Transfer (CHT) would be reduced from 6 per cent per year to grow in line with a three - year moving average in nominal GDP, with a funding guarantee to grow by at least three per cent per yeaAt a federal - provincial finance ministers» meeting in December 2012, the Finance Minister announced that, starting in 2017 - 18, the rate of growth in the Canada Health Transfer (CHT) would be reduced from 6 per cent per year to grow in line with a three - year moving average in nominal GDP, with a funding guarantee to grow by at least three per cent per yeaat least three per cent per year.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

According to the data presented by the Soviet Government at the 1922 Genoa Conference, the total external national debt of Russia (state and government - guaranteed loans) had amounted by the year 1914 to 6.3 billion golden roubles (at the pre-war exchange rate of the Rouble when it equalled 0.5 USD or 2.16 German RM).

The program was created in 2006 when he Legislature reduced property tax rates by one - third, and guaranteed that school districts would have the ability to maintain at least the same level of per - student funding for weighted average daily attendance during the 2005 - 06 school year.

The Grow - Up Plan's cash value grows at a guaranteed rate over time so that, after 25 years, it should equal or be greater than the amount you've paid in premiums.

With whole life insurance, the policy's cash value is guaranteed to grow at a certain rate each year and you can:

Whole life policy returns are conservative and based upon the insurance company's pool of extremely conservative investments and thus are guaranteed at rates which have been relatively consistent over the last 200 years.

Moshe Milevsky, professor of finance at York University's Schulich School of Business, says annuities can allow you to increase your safe drawdown rate from 4 % a year to at least 5 % because they provide a guarantee that you won't outlive your money.

The day after the federal government's bond sale, Statistics Canada reported that gross domestic product surged to an annual rate of 4.5 percent in the second quarter, guaranteeing that the Bank of Canada will raise its benchmark interest rate at least once more before the end of the year.

Your client may choose a 3, 5, 7 or 10 - year initial interest rate guarantee period and receive the rate in effect at the time they buy the annuity for the entire length of the guarantee period.

After the initial rate guarantee period, your rate may be adjusted each year but may never fall below the guaranteed minimum interest rate at the time of issue.

If you know how much you plan to invest each year and the fixed rate of return your annuity guarantees — or, for loans, the amount of your payments and the given interest rate — you can easily determine the value of your account at any point in the future.

American Society of Home Inspectors (ASHI) certified, 98 % rating from ASHI Home Buyers Survey, 100 % Satisfaction guarantee if you're not satisfied at the end of the inspection, Presidential Award - Northern Illinois Chapter of ASHI, 2010 Associate of the Year - Northern Illinois Chapter of ASHI, Testimonials that will WOW you.

I am a very low risk tolerance person... 18 years to retirement... I am NOT looking for stock market like gains because I can't stomach losing funds — I'll settle on the slow buy steady grow and a guaranteed payout at age 68 (and I know not to put more than 100k with a company because that is what my state insures each acct for in the case my AM Best «A» rated company goes under.

Here's an example: At your age 55, you deposit $ 100,000 into a deferred annuity with a GLWB rider that guarantees a «roll up» interest rate (on the «benefit base», on which the withdrawal payments are calculated) of 7.2 %, compounded for ten years (which is the same as 10 % simple interest).

30 Year Fixed Rate USDA Rural Housing Mortgage Loan: The principal and interest payment on a $ 204,000 ($ 200,000 loan amount + $ 4,000 upfront guarantee fee added to the loan) 30 year fixed rate USDA mortgage at an interest rate of 5.5 % and 100 % loan - to - value is $ 1,203.76 ($ 1,135.58 P&I + $ 68.18 Monthly MYear Fixed Rate USDA Rural Housing Mortgage Loan: The principal and interest payment on a $ 204,000 ($ 200,000 loan amount + $ 4,000 upfront guarantee fee added to the loan) 30 year fixed rate USDA mortgage at an interest rate of 5.5 % and 100 % loan - to - value is $ 1,203.76 ($ 1,135.58 P&I + $ 68.18 Monthly MRate USDA Rural Housing Mortgage Loan: The principal and interest payment on a $ 204,000 ($ 200,000 loan amount + $ 4,000 upfront guarantee fee added to the loan) 30 year fixed rate USDA mortgage at an interest rate of 5.5 % and 100 % loan - to - value is $ 1,203.76 ($ 1,135.58 P&I + $ 68.18 Monthly Myear fixed rate USDA mortgage at an interest rate of 5.5 % and 100 % loan - to - value is $ 1,203.76 ($ 1,135.58 P&I + $ 68.18 Monthly Mrate USDA mortgage at an interest rate of 5.5 % and 100 % loan - to - value is $ 1,203.76 ($ 1,135.58 P&I + $ 68.18 Monthly Mrate of 5.5 % and 100 % loan - to - value is $ 1,203.76 ($ 1,135.58 P&I + $ 68.18 Monthly MIP).

All USDA Guaranteed Loans carry 30 year terms and are set at a fixed rate.

CIBC Cashable Escalating Rate TFSA GIC ™ With a CIBC Cashable Escalating Rate TFSA GIC, you deposit money with us for 3 or 5 years at guaranteed interest rates that increase each year1, 2.

However, series EE bonds are always guaranteed to at least double their value after 20 years, regardless of the interest rate.

As policymakers take another crack at housing finance reform, federal leaders and the housing lobby are once again perpetuating the false notion that ending government guarantees would cause the 30 - year, fixed - rate mortgage to vanish.

It didn't guarantee your money would last at least 30 years in retirement, but the success rate for people who followed it were high, say, 90 % or so.

With the CIBC Escalating Rate RRSP GIC, you deposit money with us for 3 or 5 years at guaranteed interest rates that increase each year.

The payment may be calculated based on a 25 - year repayment, but your rate is only guaranteed for up to five years, and after that you have to refinance at the current rate.

Nationwide's rate's fixed at 5 % (though only for a year) and Tesco Bank guarantees at least 3 % interest until April 2019.

1) The debt must be paid back in 10 yrs 2) The debt must bear an interest rate charge that is not less than the government's prescribed amount at the time it is taken out 3) Interest on the debt must be paid not longer than 60 days after the end of the each year 4) There can be no covenant, guarantee, or indeminity to forgive the debt (i.e. — the debtee must have the full legal right to come after the debtor if the debtor defaults)

Some income riders grow at a contractually guaranteed rate during the deferral years for future lifetime income.

With a CIBC Escalating Rate TFSA GIC, you deposit money with us for 3 or 5 years at guaranteed interest rates.

Let's assume I pose the following set of facts: 1) I need to plan for a 60 year retirement, 2) I want to have at the end of Year 60 100 % of my original balance (inflation adjusted obviously), 3) Only 10 % of my savings / investments is in tax deferred accounts (e.g., the bulk are in a taxable accounts), 4) I need a 6 % withdrawal rate pre-tax, and 5) I am indifferent to strategy (VII, etc) and asset choices (annuity vs. dividend blend vs. income, etc) but to guarantee the goals abyear retirement, 2) I want to have at the end of Year 60 100 % of my original balance (inflation adjusted obviously), 3) Only 10 % of my savings / investments is in tax deferred accounts (e.g., the bulk are in a taxable accounts), 4) I need a 6 % withdrawal rate pre-tax, and 5) I am indifferent to strategy (VII, etc) and asset choices (annuity vs. dividend blend vs. income, etc) but to guarantee the goals abYear 60 100 % of my original balance (inflation adjusted obviously), 3) Only 10 % of my savings / investments is in tax deferred accounts (e.g., the bulk are in a taxable accounts), 4) I need a 6 % withdrawal rate pre-tax, and 5) I am indifferent to strategy (VII, etc) and asset choices (annuity vs. dividend blend vs. income, etc) but to guarantee the goals above.

Bonds purchased in this time earned interest on a graduated scale for 5 years and then started earning interest at either guaranteed minimum rates or market - based rates, whichever is higher.

By deferring your deduction one year at a higher marginal tax rate, you end up with an extra $ 345 for the same $ 2,500 RRSP contribution — this is essentially a guaranteed 13.8 % rate of return.

You'll receive an ongoing guaranteed rate of return that never changes, regardless of policy loan amounts AND you also will receive, on high probability based upon over a hundred years of payment history, ongoing dividends at full dividend rates.

If everyone could take out all their money at any point without deterrent, it wouldn't be possible to have a guaranteed 3.3 % interest rate for 10 years.

With a CIBC Escalating Rate GIC, you deposit money for 3 or 5 years at guaranteed interest rates.

The multiemployer guarantee limit varies based on how many years each affected employee worked and the rate at which benefits were earned.

Issued 1980 through April 1995 - Bonds purchased in this time earned interest on a graduated scale for 5 years and then started earning interest at either guaranteed minimum rates or market - based rates, whichever is higher.

As I am a Hyatt Diamond member (hoping to keep the status for next year), I found a deal at the Hyatt Regency Houston through the Hyatt Best Rate Guarantee.

These 20 - year deals provide guaranteed pricing to developers for wind power that is above market rates — because wind power can not be produced in Ontario at reasonable market rates.

They would make 20 annual payments of $ 340 per year and at the end of those twenty years that guaranteed term life rate would end.

For example, a $ 2 Million dollar lifetime guaranteed policy for a 50 year old man would cost a single premium of $ 318,660 at one top rated carrier.

Let's take an example of a 65 year old male at a $ 100,000 Guaranteed Universal Life policy at Standard and Preferred Plus rates:

Annual renewable term is life insurance that covers you for a one year period at a guaranteed rate.

The insurance company adds up the number of term premiums that will be required on the policy in total, divides by the number of years for which a level premium is guaranteed, discounts for the time value of the money using the interest rates available at the time, and charges the resulting level premiums rather than the actual yearly renewable term rate.

Guaranteed Additions accrue in the first five years of this HDFC child plan at a rate of 3 % of the Sum Assured every year if the policy tenure is lower than 20 years or 5 % of the Sum Assured every year if the policy tenure is more than 20 years.

IOR Option 1 (available only at issue) If the 10 - year Treasury rate increases by 0.50 % (50bps) or more on your policy's 1st semi-anniversary or 1st anniversary, your guaranteed interest rate will automatically increase by 0.50 % (50bps).

In essence, you're able to lock in your rate for life, or at least a guaranteed term ranging from 10 to 30 years.

IOR Option 2 (available only at issue) If the 10 - year Treasury rate increases by 1.00 % (100bps) or more on your policy's 1st semi-anniversary, 1st anniversary, 2nd semi-anniversary, or 2nd anniversary, your guaranteed interest rate will automatically increase by 1.00 % (100bps).

Rates current as of 12/20/2016 for a Guaranteed 10 year term - life policy, $ 250,000 in coverage issued at each company's best - published rRates current as of 12/20/2016 for a Guaranteed 10 year term - life policy, $ 250,000 in coverage issued at each company's best - published ratesrates.