Sentences with phrase «policy expense charges»
If something happens down the road and the policyowner can not afford to contribute to the life insurance policy it is wise to reduce the death benefit to lower the overall policy expense charges.
https://www.pacificinsurancegroup.com/ Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
Genworth Financial (GNW), which provides life and long - term care insurance, screwed up a while back when it began selling policies to cover medical expenses in old age: It did not charge nearly enough for them.
Before purchasing a variable universal life insurance policy, you should carefully consider the investment objectives, risks, charges, and expenses of the policy and its underlying investment choices.
In an article to appear in the journal Energy Policy, the authors find that urban drivers who can frequently charge their vehicles (every 20 miles) can reduce gas consumption, greenhouse gas emissions, and expenses with a plug - in hybrid with a battery pack sized for about seven miles of electric travel.
State laws, not national policy, determine which school expenses must be taxpayer - funded and which can be charged to students as user fees.
Please always consider the charges, risk, expenses, and investment objectives carefully before purchasing any financial product, including mutual funds, a variable life insurance policy or variable annuities.
Pay - in - full Discount: By paying your entire premium for the full term of your policy, you can save money by avoiding installment expenses that GEICO charges for paying month to month.
Policy Fee: A charge for policy administration expenses incurred by the insurance coPolicy Fee: A charge for policy administration expenses incurred by the insurance copolicy administration expenses incurred by the insurance company.
There are fees and charges associated with variable universal life policies, including cost of insurance charges, surrender charges, administrative and investment management fees, mortality and expense risk charges, and charges for optional benefits.
As for other funds offered in the plan, the complaint says that, rather than taking advantage of the plan's economies of scale, as required by its investment policy statement (IPS), to reduce the investment expenses charged to plan participants, Philips North America selected and maintained high - priced share classes of mutual funds, instead of identical lower - cost share classes of those same mutual funds which were readily available to the plan.
You should carefully read and consider the information in the prospectuses regarding the contract's features, risks, charges and expenses (including a 2.25 % premium expense charge), as well as, the investment objectives, risks, policies and other information regarding the underlying portfolios prior to making any purchase or investment decisions.
In addition, you may be subject to new sales, mortality and expense charges, and surrender charges for the new contract or policy.
Policies commonly have contract limitations, fees, and charges, which can include mortality and expense charges.
You should carefully consider the information in the prospectuses about the contract's features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well as other information about the underlying funding choices.
Life insurance policy premiums are determined based upon what a life insurer must charge to provide for company expenses, overhead, profits, and the cost of the insurance company's anticipated losses.
It contains more complete information about the VUL policies and underlying investment divisions, including investment objectives, risks, charges, and expenses.
Investors should carefully consider the investment objectives, risks, charges and expenses of the applicable variable universal life insurance policy and its underlying investment options before investing.
Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable life insurance policy.
In addition, you may be subject to new sales, mortality, expense, and surrender charges for the new policy.
Please consider the investment objectives, risks, charges, and expenses of a VUL policy carefully before investing.
You should carefully read and consider the information in the prospectuses regarding the contract's features, risks, charges and expenses, as well as the investment objectives, risks, policies and other information regarding the underlying portfolios prior to making any purchase or investment decisions.
Policies commonly have mortality and expense charges.
If it's company policy to charge work - related expenses on a corporate card, there's nothing you can do about that.
With revenues — most of which derive from real estate holdings, notably the land under the Chrysler Building — falling behind expenses, Cooper Union enacted a policy last year of charging graduate students.
We will recover any out of pocket losses you may have, such as hire car charges, policy excess, prescription charges, loss of income, any care costs and travelling expenses.
Prior to a hearing involving the company's charges and expenses, one of the Commissioners on the Board publicly made comments against its pay policies, including «But, I'm not having anything to do with the salary increases and big fat pensions».
Your ANNUITYLife policy is guaranteed to earn a minimum crediting rate (specified in your policy) less administrative charges for mortality and expenses.
Keep in mind that the interest rate and expense, as well as the mortality charges, are not guaranteed for the entire life of the insurance policy.
The cash value can also simply be withdrawn, avoiding interest expense charges (subject to policy limits).
If an injury or illness occurs during the period of coverage and the insured person requires medical or surgical treatment, this plan will pay, subject to the co-insurance and selected deductible, reasonable and customary charges for the following covered expenses, up to the selected policy maximum.
The current ledger (best case scenario) is calculated using a higher assumed rate of return as well as the policy fees and expenses the insurer is currently charging.
Before investing, carefully consider your need for life insurance coverage and the charges and expenses of the variable universal life insurance policy.
Your Value - Added Whole Life policy is guaranteed over the life of the policy to earn a minimum crediting rate (specified in your policy) less charges for mortality and expenses.
With variable and interest - sensitive life insurance policies, lapse may result when there is inadequate cash value in the policy to pay the next mortality and expense charge.
That is why they are normally sold with a prospectus that details the policy's investment objectives, charges, risks, fees, and other expenses.
Deduction Amount A monthly charge in a universal life policy, deducted from the accumulation value on each deduction day, which is comprised of the cost of insurance charge and any other expense charge shown on the policy summary and any charge for supplemental benefits.
Although there is no sales commission on these policies, the company will still have charges built into the premium to cover its marketing expenses, application processing expenses and subsequent services.
Expense Charge A monthly charge paid to an insurance company based on various elements of the policy such as insured's attained age, original rate class,Charge A monthly charge paid to an insurance company based on various elements of the policy such as insured's attained age, original rate class,charge paid to an insurance company based on various elements of the policy such as insured's attained age, original rate class, etc..
Investors should carefully consider the investment objectives, risks, charges and expenses of the applicable variable universal life insurance policy and its underlying investment options before investing.
In addition, cost of insurance, monthly charges for any riders, and monthly expense charges for the policy will be waived while claim requirements are met.
Group Medicliam This policy allows the person in charge of a group of people who wishes to add the remuneration the benefits of cashless treatment or reimbursement on hospitalization expenses.
The customer will receive the policy premium minus a proportionate premium for the risk borne by the company, including as any extra expenses, such as towards a medical examination or stamp duty charges.
These charges account for the initial expenses incurred by the company in issuing the policy, e.g., cost of underwriting, medicals and expenses related to distributor fees.
The advantages of whole life insurance are its guaranteed death benefits; guaranteed cash values; fixed, predictable premiums; and mortality and expense charges that do not reduce the policy's cash value.
In a declining market, since each Accumulation Unit will have a relatively lower value, more Accumulation Units will be deducted from your policy for the Mortality and Expense and Administrative Cost Charge.
If the Insured Person is traveling outside the United States: The Company will pay 100 % of Usual, Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the Medical Maximum as stated on the ID Card.
It contains more complete information about the VUL policies and underlying investment divisions, including investment objectives, risks, charges, and expenses.
In a rising market, since each Accumulation Unit will have a relatively greater value, fewer Accumulation units will be deducted from your policy for the Mortality and Expense Risk and Administrative Cost Charge.
Policy Fee: A charge for policy administration expenses incurred by the insurance coPolicy Fee: A charge for policy administration expenses incurred by the insurance copolicy administration expenses incurred by the insurance company.