Cash value

Cash Value
In a life insurance policy, this is the amount of money, before adjustments, that are made for factors such as policy loans or late premiums, ...

cash value life insurance
policy that generates a savings element. Cash values are critical to a permanent life insurance policy. The size of a cash value buildup differs substantially from company to company.

Actual cash value
Actual cash value is the replacement cost minus depreciation of a specific item of personal property. It's essentially the value for which the item could be sold, which is often less than what it would cost to replace it.

How Cash Value Works: Not All Cash Value Insurance is Created Equal
Understanding how a general cash value policy works is essential. Your life insurance is paid by a portion of your regular premium payment.

ACTUAL CASH VALUE - An insurance term, the value of a building calculated by subtracting the decrease i...
ACTUAL COST - the amount paid for an asset; not its retail value, market value or insurance value.

Cash value
The current value of a future cash flow (maturing receivables etc.). The cash value is determined by discounting the interest accruing until the maturity date, i.e.

Cash Value
Expected market value of property if sold today.
Cash-out Refinance
Refinancing of a mortgage where the money received from the new loan is greater than the amount due on the old loan.

Cash Value
The amount which may be available for payment in a lump sum, in the event of termination. If the participant is vested, all or part of the vested balance may be paid.

Cash value added (CVA)
A method of investment appraisal that calculates the ratio of the net present value of an
investment to the initial capital investment.
Internal rate of return (IRR) ...

Cash Value: The accumulated cash build-up in a whole life policy that a policyholder receives if the policy is redeemed before its maturity or the policyholder's death.

Cash value
Cash value is the amount that an account is worth at any given time.

cash value: The amount of money that can be withdrawn from a whole life insurance policy while retaining coverage.
cashier's check: A draft in which the drawer and drawee are the same bank or branches of the same bank.

Cash value
The current market value of a segregated fund contract, less any applicable deferred sales charges or other withdrawal fees
Cash-Secured Put Write ...

Actual Cash Value - Cost of replacing damaged or destroyed property with comparable new property, minus depreciation and obsolescence. For example, a 10-year-old sofa will not be replaced at current full value because of a decade of depreciation.

Actual Cash Value - an amount equal to the replacement value of damaged property minus depreciation.

Actual Cash Value
The monetary amount that a broker or dealer has invested in a used vehicle. This cash value is used for the purchase and repair of the vehicle.

Cash value accumulated inside a life insurance policy. A cash value policy has two components: a death benefit paid to beneficiaries if the insured dies, and a savings element, which is the amount of premium paid in excess of the cost of protection.

CASH VALUE LIFE INSURANCE
This is a class of life insurance that develops a cash value. Cash value policies have a premium that are generally higher then term insurance in early years and lower in later years.

Cash Value: The equity value of a whole life insurance policy that is available to the policy owner as a loan or upon cancellation before it becomes payable upon death or maturity.

cash value
In a life insurance policy, cash value is the build-up in the owner's cash savings. At any point in time, it represents the amount of money (before adjustments) that would be returned to the policy owner upon cancellation of a policy.

Cash value is the amount that an account is worth at any given time. For example, the cash value of your 401(k) account is what your account is worth at the end of the plan year, often December 31.

Cash Value Added - CVA
A measure of the amount of cash generated by a company through its operations. It is computed by subtracting the 'operating cash flow demand' from the 'operating cash flow' from the cash flow statement.

A cash value life insurance policy whose insurance dividend rates vary with respect to inflation, enabling the policyholder to avoid the loss of purchasing power associated with inflation.
Interest-sensitive stock ...

The cash value savings goal provides additional income during your golden years to cover insurance premiums.
why consider it?
Insufficient retirement savings ...

The cash value of a business which, after all debts are paid, belongs to the owners of a company shareholders liquidated.

The cash value is the full value of the annuity, minus any surrender (or withdrawal) penalty, minus any taxes and tax penalties that would be due, and is the value used to compute the imputed income of the household's assets.

Applying Cash Value Multiples to Non-cash Transactions. By definition, the fair market value of a business represents a cash value, essentially the present value of a business (as of a specific day) in cash.

Your tax-deferred cash value account accumulates at least the guaranteed rate of interest, but may accumulate at a higher rate if market rates are higher than the guaranteed rate.

Savings element Used in the context of life insurance, the cash value built up in a policy, which equals the amount of premium paid minus the cost of protection.

cash value The amount available in cash upon cancellation of an insurance policy, generally... cash value life insurance policy A life insurance policy which in addition to providing a benefit upon the death...

Cash deliveryThe provision of some futures contracts that requires not delivery of underlying assets but settlement according to the cash value of the asset.

Insurance dividend Money paid annually to policyholders participating in cash value life insurance policies.

Term insurance Provides a death benefit only, no build up of cash value. Term life insurance A contract that provides a death benefit but no cash build up or investment component.

Term insurance Provides a death benefit only, no build-up of cash value. Term repo A repurchase \agreement with a term of more than one day.

It provides protection for a specific period of time, but does not accrue any cash value. testate The legal term for dying with a valid will.

The value of funds returnable to the insured from the insurer upon the surrender of a cash value life insurance policy....(Read more)
Cash Value Life Insurance ...

Universal life insurance policies' cash values are supported by the insurance company's general account. Universal variable life cash values are supported by the insurance company's separate account based on the selection of the investment option.

Used in the context of life insurance, the cash value built up in a policy, which equals the amount of premium paid minus the cost of protection. This excess is invested by the insurance company, and the returns are tax-deferred inside the policy.

An asset's initial book value is its actual cash value or its acquisition cost. Cash assets are recorded or "booked" at actual cash value.

As such, the accumulated cash value of the adjustable life insurance policy will also vary. In addition, adjustable life insurance provides the owner with the option to change the period of coverage.

Unlike an all-cash business sale, the financed deal has a cash value different from the contractually defined business purchase price.

Regular premium long term care insurance does not usually create any cash value and as with car insurance, if you do not claim, you may lose the value of the premiums.

The actual cash value of the property at the time of the loss was $500,000, but you only carried $300,000 of insurance. Based on the coinsurance clause, you should have had coverage of $400,000 (80% of $500,000).

Variable life lets you invest part of your cash value in stocks, bonds and short-term money-market instruments through mutual funds run by the insurance company.

Life insurance with a cash value (as opposed to term insurance, which does not have a cash value).
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Whole Life:
Fixed premiums
Fixed death benefits
Fixed cash valueUniversal Life:
Flexible premiums,
Flexible death benefits,
Cash value (depends on how the premiums have been invested)
Policyholder directs where the premium funds are invested.

Notes:
The abandonment value is generally a cash value, or equivalent, associated with an asset. This value is important for companies when analyzing the profitability of particular projects or assets and deciding whether they should be maintained.

As well as paying out a sum of money on death, many life insurance contracts also pay out a sum of money after a given time (in which case it is known as an endowment policy), and may also pay out a cash value if the policy is cancelled early.

In a variable life insurance policy, the cash value is invested in equity or debt securities. Policyholders can select and switch investment instruments.

The tender and receipt of the actual commodity, the cash value of the commodity, or of a delivery instrument covering the commodity (e.g., warehouse receipts or shipping certificates), used to settle a futures contract. See Notice of Delivery.

It affords policyholders a chance to earn capital gains on their insurance by investing the cash value of the policy in stock, bond, or money market portfolios.

Interest-sensitive insurance policy
A cash value life insurance policy whose insurance dividends rates vary with respect to inflation, enabling the policyholder to avoid the loss of purchasing power associated with inflation.

Variable and Universal Life Insurance What Is Life Insurance? Using the Cash Value of Life Insurance Getting Money from Your Life Insurance
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The act whereby an underlying commodity, security, cash value, or delivery instrument covering the commodity is tendered and received by the contract holder.

Universal Life Insurance - A type of flexible permanent life insurance offering the low-cost protection of term life insurance as well as a savings element (like whole life insurance) which is invested to provide a cash value buildup.

Cash out of their 401(k) plan or take a lump-sum payment for the cash value of their pension; and
Open a traditional Individual Retirement Account at the broker's firm and invest in securities that carried substantial risk and high fees.

Universal Life:- 1. Flexible premiums, 2. Flexible death benefits, 3. Cash value (depends on how the premiums have been invested) 4. Policyholder directs where the premium funds are invested.
Insurer: ...

A forced or induced conversion is one whereby the issuer (the corporation) calls in the senior security for conversion to common shares when the cash value is less than the share value. This ensures that shares will be issued.

The present cash value of this liability is therefore likely much lower than the book liability and this tends to add to the true economic value of equity and create a stronger, higher quality balance sheet.

Life insurance with level premiums that provide coverage for your whole life. Cash values increase over time and usually you can borrow against them, although you can't cash them in unless you cancel the policy.

See also: Expense, Life insurance policy, Saving, Values, Banks