Sentences with phrase «as a term policy»

Whole life insurance can be around four times as expensive as a term policy, so most shoppers - especially on a budget - should opt for term life insurance.

Life insurance can be purchased either as a permanent policy, covering your entire lifetime, or as a term policy, covering a certain period of time — anywhere from a year to 30 years.

Permanent life insurance policies don't work the same as term policies — they're able to build cash value over time as the policy's owner makes payments.

Think of whole life insurance as a term policy with an added savings component.

With term life insurance, you also have the option to convert to permanent insurance using the same health status as your term policy.

This type of insurance can be purchased as a term policy or a permanent policy.

The premiums will rise as the term policy is converted to permanent.

Again I only believe whole life to be a good choice as you it seems you can not out live your term as a term policy would do.

Permanent life insurance policies don't work the same as term policies — they're able to build cash value over time as the policy's owner makes payments.

Life insurance can be purchased either as a permanent policy, covering your entire lifetime, or as a term policy, covering a certain period of time — anywhere from a year to 30 years.

So, be very cautious about taking this approach as it might be more advantageous to simply surrender the policy and take the cash value of the policy instead (Applies to permanent life insurance policies only as term policies have no cash value when surrendered).

If you're looking for either a regular life insurance policy such as a term policy or permanent policy and wish to enhance your coverage with additional coverage with a rider, then you need to speak to an independent agent such as you can find here at Abrams Insurance Solutions.

Term life will always be your most cost - effective option as term policies have an expiration, usually of 10,15,20 or 30 years, which is why they are cheaper.

If you are beset with any of the 7 pre-listed critical illness, you will receive the amount of 10 lacs as a lump sum and the policy will continue as a term policy with a Sum Assured of 40 lacs.

It is advisable that business people examine term life insurance quotes initially... as term policies are less expensive.

A: Return of premium (ROP) life insurance gives you a level death benefit and level policy premiums just as a term policy does, but it also give you all of your premium payments back.

Ours are 15 - 19 years old, while there is no termination fees, if we cashed, they advise we to treat policies as term policies and make no -LSB-...]

Ours are 15 - 19 years old, while there is no termination fees, if we cashed, they advise we to treat policies as term policies and make no more premium payments (they take payments from built up cash value) ours expire when we are 64 years.

And, says Cipinko, not everyone wants a policy that lasts as long or insures as much as a term policy might.

Life insurance is most commonly purchased as a term policy.

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.

«We have streamlined our terms with Zynga so that Zynga.com's use of Facebook Platform is governed by the same policies as the rest of the ecosystem,» Facebook said in a statement.

That's a term E.J. Reedy, the foundation's director of research and policy, uses to describe people who set out as their product's first customers, motivated to develop solutions to personal or professional dilemmas they are facing.

Working with your financial quarterback, develop your new investment business plan (known as an investment policy statement) for the immediate deployment of the transaction's proceeds and for long - term management of investment capital.

As business - friendly as Trump's tax and regulation stances may be in the short term, these policies are growth killerAs business - friendly as Trump's tax and regulation stances may be in the short term, these policies are growth killeras Trump's tax and regulation stances may be in the short term, these policies are growth killers.

«But in fact, the new «activist» investors pushed for seats on boards and pressured management into policies that were viewed as more «shareholder - friendly» — meaning friendlier to short - term investors — including increasing dividends and buyouts.»

Founded only in 2008 but measured earlier this year as the third-most valuable venture capital - backed group in the world at over $ 25 billion, Airbnb also said it would help prevent its service from causing housing shortages by «ensuring hosts agree to a policy of listing only permanent homes on a short - term basis».

Others are subject to contractual impediments such as union work rules — or company policies regarding long - term or even lifelong employment.

In fact, the minutes note that «some participants viewed the actual and expected progress toward the [Fed's] goals as sufficient to call for a relatively prompt move toward reducing policy accommodation to avoid overshooting the [Fed's] unemployment and inflation objectives over the medium term.»

«If it's described as an attack on the economy, it suggests that there's not a discussion about what might need to change in terms of monetary and fiscal policy,» he said.

If we suspend or terminate any usage subscriptions or virtual items, then you will forfeit the suspended or terminated subscription or items, except as may be set forth in any Additional Terms (such as any refund policies that may apply to a subscription service).

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The Internet companies described their policies as straightforward: they ban certain types of content in accordance with their own terms of service, and require court orders to remove or block anything beyond that.

Trump supporters say Clinton deserves to be prosecuted for her handling of U.S. foreign policy as President Barack Obama's first - term secretary of state and for her use of a private email server while in that office.

As part of the settlement, Qualcomm will retain two independent consultants to make policy recommendations that will ensure an equitable workplace, and the company will appoint an internal compliance officer to oversee the implementation of the agreement's terms.

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.

«Child migration will affect certain states and localities differently, based on where costs such as education are incurred but also based on gains in terms of spending for things like shelter and transportation,» said Michelle Mittelstadt of the Migration Policy Institute.

He went so far as to prohibit use of the standard policy term «white paper.»

As the name implies, term life insurance will provide a death benefit if an individual dies within the policy's term, up to 20 years typically.

Delays tend to be more costly for term policies, as well as for older applicants, said Steven Weisbart, a senior vice president and chief economist for the Insurance Information Institute.

A breakthrough deal to fundamentally change China's economic policies is viewed as highly unlikely during the two - day visit, though a package of short - term Chinese measures could delay a U.S. decision to impose tariffs on around $ 50 billion worth of Chinese exports.

Much of the effectiveness of Canadian monetary policy depends on the Bank of Canada's credibility: managing expectations for the future is at least as important as setting short - term interest rates.

«Depending on plan design, consumers who purchase short - term, limited - duration insurance policies and then develop chronic conditions could face financial hardship as a result, until they are able to enroll in PPACA - compliant plans that would provide coverage for such conditions,» the administration's report said.

Gold has regained its shine in recent months, but that doesn't change the dull outlook for the precious metal over the longer - term, warns Goldman Sachs, which sees prices falling to $ 1,000 in 12 months as the Federal Reserve normalizes monetary policy.

For Genworth, 2014 was a year of reckoning, as it wrote down the value of many long - term care policies whose costs its underwriting fees can't cover.

Exxon has argued against all the other shareholder proposals as well, including a «policy to explicitly prohibit discrimination based on sexual orientation and gender identity»; a policy articulating Exxon's «respect for and commitment to the human right to water»; «a report discussing possible long term risks to the company's finances and operations posed by the environmental, social and economic challenges associated with the oil sands»; a report of «known and potential environmental impacts» and «policy options» to address the impacts of the company's «fracturing operations»; a report of recommendations on how Exxon can become an «environmentally sustainable energy company»; and adoption of «quantitative goals... for reducing total greenhouse gas emissions.»

«Their driver monitor system isn't as good as some other systems in terms of assuring that someone is paying attention,» said David Friedman, Director of Cars and Product Policy and Analysis for Consumers Union, the advocacy division of Consumer Reports.

In other words, if you tighten monetary policy, certainly by more than is discounted in the market — and what's discounted in the market is very minor rising market — that will reverberate through asset class prices, as well as then you can have a situation in terms of the economy.

Such policies might include providing more incentives for companies (both large and small) to invest in R&D and capital infrastructure, encouraging post-secondary institutions to better tailor their programming to meet market demand in terms of subjects and skills, and making Canada a more attractive country for foreign or start - up companies to invest in by deregulating industries that have no business being as regulated or as protected as they are, such as telecommunications, airlines, and broadcasting.

Datskovsky's parents are near retirement age, so Adams recommended a long - term - care policy as well.