Sentences with phrase «balance policy benefits»

Balance policy benefits, if any, will be released on a later date subject to terms and conditions of the policy.

Not exact matches

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.

Though immigration may strain some local budgets in the short term, costs and benefits tend to balance out in the end, said Alex Nowrasteh, immigration policy analyst at the Cato Institute, a libertarian think tank.

Add up the balances in your 401 (k) s, IRAs, 529 college savings plan, emergency reserves and estimated Social Security survivor benefits, as well as any existing life insurance policies (perhaps through your employer).

Considering the high costs of having of a child, coupled with the tension in balancing family - work life matters, states and companies are starting to invest in family support policies, parental benefits and competitive education.

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If you were to die before paying back your policy loan, the loan balance plus interest accrued is taken out of the death benefit given to your beneficiaries.

You can help by educating mothers about how to succeed at balancing breastfeeding and work responsibilities, by educating employers about the needs of their working - mom employees and the benefits of offering a mother - friendly worksite, and by generating a change in culture and organizational policy and environments among employers, within workforces, and in child - care settings.

GPI and other indicators like it might not be perfect, but they can help policy - makers do a better job of balancing the costs and benefits of economic development, says McGlade.

Solid research across multiple disciplines is essential to inform government policy on large development projects and help achieve a balance between costs and benefits required for sustainable and inclusive development.

«The marketing objective of selling services by making them seem attractive to consumers can create tensions or outright conflict with the ethical imperative of respect for persons, since the latter requires that patients make medical decisions in light of balanced information about the full range of risks and benefits associated with their care,» said London, professor of philosophy in CMU's Dietrich College of Humanities and Social Sciences and director of the Center for Ethics and Policy.

Its policy, the EMA said in response to questions, is to make public «all review procedures where the benefit - risk balance of a medicine is under scrutiny.»

«This kind of precautionary approach achieves a balance of economic interests and conservation benefits,» said Sarah Reiter, a co-author and former early career law and policy fellow at the Center for Ocean Solutions who now works as an ocean policy analyst at the Monterey Bay Aquarium.

They also charted the implications for climate policies that best balance the costs of mitigation and the benefits of avoided climate impacts.

«States must balance parental autonomy with the tremendous public health benefit of vaccines when considering the types of exemptions allowed and how policies are implemented.

However, we do recognize that we can benefit from credit cards with better balance transfers rates and more lenient late payment policies.

Another reason to pay back the policy loan is that the total outstanding balance would be deducted from the death benefit your beneficiaries received if you passed away.

That is because the Fed funds rate is down at the zero bound, and monetary policy is being conducted through «credit easing» — using the Fed's balance sheet to benefit troubled lending markets, rather than the economy as a whole.

On the other hand, if you've just purchased a home with your spouse, you might consider a decreasing term policy (since your mortgage balance decreases over time as you pay it off) with a death benefit equal to the size of your outstanding loan.

The repayments that you then make to your life insurance policy will usually have a low rate of interest — and, if you do not end up paying back these funds, the amount of the unpaid balance will be deducted from the death benefit that your beneficiary receives.

For example, some balance transfer credit cards come with a credit dashboard that can help you monitor your credit score and the factors affecting many credit cards also come with travel and rental car insurance benefits that can potentially save you from having to buy your own policy.

In addition, should the policy holder pass away while there is still an unpaid loan balance, this amount will be deducted from the total amount of death benefit proceeds that are received by the policy's beneficiary.

You can get mortgage life insurance that matches the number of years left on your mortgage and some policies offer a decreasing benefit where the death benefit goes down with the mortgage balance.

Just like with other types of permanent life insurance policies, cash can be withdrawn or borrowed from the policy, however, an unpaid balance will be charged against the death benefit should the insured die prior to the money being repaid.

The recent maturity of two large policies, one with no extension and one with a reduced death benefit on extension, has significantly improved the balance of the portfolio: policies with no expiry date now account for 44 % of the portfolio compared with 41.7 % a year ago.

A sensible climate change policy balances the costs and benefits of emissions reductions.

On balance, most Americans believe it is possible to reduce the effects of climate change, and about half say that policy efforts to diminish those effects have a net benefit for the environment.

«Consumers, companies and the economy all benefit when government policies are well - reasoned and balanced.

With economic public goods, it is usually difficult to determine and reach agreement on efficient policies because they involve estimating and balancing costs and benefits, where neither is easy to measure and both involve major distributional concerns.

The key issue is that costs and benefits should be properly balanced, which they are not in current climate policies applied by most countries (certainly in the EU and USA).

With growing concerns about the greenhouse gas balance of many types of biomass and bioenergy — as well as effects on biodiversity, land use, and competition with food production — the EU needs to get policies right by capping the contribution of bioenergy to renewables targets at sustainable levels, and promoting only bioenergy that is both sustainable and delivers real carbon benefits.

There has been discussion of the potential for adaptation and mitigation as substitutes within narrow economic analysis (cost - benefit frameworks), and some studies have tried to assess the optimal policy balance of mitigation and adaptation using CBA based on IAMs.

In this way I've benefited from courses on global climate change, climatology, future energy supply and demand, the physics of the greenhouse effect and planetary radiation balance, and climate politics and policy options.

Students get all the benefits of articling at a large firm (legal research tools, varied work assignments and a rich educational program) while enjoying the culture and feel of a much smaller firm (work / life balance, a friendly, collegial atmosphere and a true «open - door» policy from the most junior associates to the most senior partners).

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One can compare benefits of both policies based on aspects like availability of loan, surrender value, tax benefits, death benefits, etc. for IndiaFirst Money Balance Plan and Aegon Life iIncome Insurance Plan.

It is, however, important to note that if there is an unpaid balance at the time of the insured's death, the unpaid amount will be charged to the death benefit amount that is paid out to the named policy beneficiary.

If, however, a policyholder does remove cash from the policy — regardless of whether it is through a withdrawal or a loan — any unpaid balance will be charged against the death benefit proceeds.

As we said before, you don't even have to repay anything at all if you're happy enough to see your death benefit reduce or if the policy is efficient enough to gain interest and dividends to offset the loan balance interest.

It is important to note, however, that even though a withdrawal or a loan is not required to be paid back, if there is an unpaid balance in the cash - value component of the policy at the time of the insured's death, then the amount of that balance will be charged against the death benefit that is paid out to the policy's beneficiary.

If you borrow money using the policy's loan features, and die with the loan not having been paid back, the balance of the loan will be deducted from your death benefit.

Insurers can pay death benefit in installments over a definite period of time and at a defined rate of interest, as approved under the «file and use» procedure on the declining balance if such an option is provided at the inception of the policy.

All unit - linked insurance products (Ulips) will have to provide a minimum death benefit, which will have to be at least equal to the guaranteed minimum sum assured, plus the balance in the unit fund or policy account.

In case of the policy buyer's demise, the outstanding loan balance which is left of his policy will be deducted from the death benefit, which will ensure interest.

(It is important to note, though, that any unpaid loan balance at the time of the insured's death will go against the amount of the death benefit that is paid out to the policy's beneficiary).

It's important to note that if you were to die unexpectedly, any outstanding loan balance remaining on your whole life policy may be deducted from your death benefit and will accrue interest.

When you buy a decreasing term life policy (sometimes referred to as mortgage life insurance), the death benefit is typically matched with the outstanding balance on your home loan.

This is of particular benefit to policy holders in that their premiums are a reflection of the risk that the insurance company is exposed to, and while no - one wants to pay higher premiums this can be balanced against the need to ensure that premiums actually provide the benefits set out in the policy rather than going unpaid if the insurer were to fall into insolvency.

The policy death benefit can match the amount owed on the loan, and be reduced in the future as the loan balance is paid down.

Although insurance companies are not usually aggressive about repayment of such loans, leaving an unpaid balance could lead to negative consequences such as a lesser amount of death benefit, or even an unintentional policy lapse.