Sentences with phrase «as your base policy»

They also need not be taken from the same insurer as your base policy.

On the life / health side, combination products often use life insurance, deferred annuities, immediate annuities or disability income insurance as the base policy, and then they add long - term care or critical illness insurance.

Most companies allow you to buy it anytime during the term of the policy, as long as the base policy is in force.

If you have an increasing need for permanent life insurance, but can not afford the premium cost of permanent life insurance right now, the convertible insurance policy allows you to «ease» into a permanent life insurance policy over time by converting term to permanent insurance using a permanent life insurance policy as the base policy.

We recommend purchasing an individual term life insurance policy as your base policy and use your group policy to supplement it.

The dividend can be left to accumulate interest, can be used to reduce premiums or may be used to purchase paid up additions which are small single premium policies of the same type as the base policy.

What you do is to use your whole insurance as your base policy and add a level term life policy to it.

Not exact matches

U.S. - based trade experts said they expected Beijing to offer Trump's team a package of policy changes that may include some previously announced moves, such as a phase - out of joint venture requirements for some sectors, autos tariff reductions and increased purchases of U.S. goods.

To the Fed's credit, the majority of FOMC members in January 2008 based their policy decisions on the mounting dysfunctional behavior of the financial markets rather than ephemeral coincident indicators such as real GDP growth.

(The Bank of Canada assumes they will converge in the future, but that is based on the assumption monetary policy works as it always did.

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».

Most importantly, the status quo monetary policy distorts economic activity towards debt - based financial assets and debt - financed durable goods such as the «cash for clunkers» program to boost auto sales.

FMS earnings before tax as a percentage of FMS total revenue and FMS operating revenue (a non-GAAP measure) were 4.0 % and 4.8 %, respectively, both down 60 basis points from the prior year, primarily reflecting higher depreciation due to vehicle residual value policy changes and lower used vehicle sales results.

Australian shares were down 0.6 % after the Reserve Bank of Australia's policy board decided to cut its benchmark interest rate by 25 basis points to an all - time low of 1.50 %, as expected.

The Ethics Resource Center is an Arlington, Virginia - based non-profit that provides among other things, updates on federal policy connected to business ethics, surveys on topics such as how the recession is impacting ethics, and links to other resources around the web.

As Aaron Wright, chair of the alliance's Legal Industry Working Group, told Coin Telegraph, «Lawyers are poised to serve as the catalysts for blockchain technology, and the Legal Working Group will serve as a neutral space to explore blockchain - based legal technology, develop standards for «smart» legal agreements, support emerging enterprise use cases, and tackle important policy issues raised by this new, impactful technology.&raquAs Aaron Wright, chair of the alliance's Legal Industry Working Group, told Coin Telegraph, «Lawyers are poised to serve as the catalysts for blockchain technology, and the Legal Working Group will serve as a neutral space to explore blockchain - based legal technology, develop standards for «smart» legal agreements, support emerging enterprise use cases, and tackle important policy issues raised by this new, impactful technology.&raquas the catalysts for blockchain technology, and the Legal Working Group will serve as a neutral space to explore blockchain - based legal technology, develop standards for «smart» legal agreements, support emerging enterprise use cases, and tackle important policy issues raised by this new, impactful technology.&raquas a neutral space to explore blockchain - based legal technology, develop standards for «smart» legal agreements, support emerging enterprise use cases, and tackle important policy issues raised by this new, impactful technology.»

Julie Yap, a Sacramento - based partner at Seyfarth Shaw, which represents employers, said she advises companies to emphasize their policies against harassment by non-employees as well as employees, to encourage reporting of incidents, and to require robust training.

Private companies are viewed more favourably than state - owned firms, and the CEOs were lukewarm about the idea of using ownership policy to promote democracy, such as limiting the ability of companies based in undemocratic countries to buy Canadian assets.

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.

The settlement also stipulates that the San Diego - based chip maker implement policy changes and programs to better promote female employees working in the field of science, technology, engineering and mathematics, known as STEM.

Iceland's law stands out in a key way: Companies and organizations with at least 25 full - time employees must actually obtain government certification proving their pay policies are based on factors such as education, skills and performance, not gender.

Based on wire headlines from Reuters, Xi made all the right noises when it came to the outlook for Chinese trade policy, helping to calm investor nerves that have been rattled over the past month as trade tensions between the United States and China increased.

With the hopes ditching its image as a sucker, this summer the Seattle - based rugged outfitter REI, which customers have jokingly referred to as «Rental Equipment Inc.» «Rent Every Item,» jettisoned its lifetime warranty return policy — giving customers just a single year to return or exchange items.

The full service marketing and communications agency based in Glanstonbury, Connecticut, had a loose dog policy, allowing the occasional dog in the office most often in the summers or on Fridays as long as they were not disruptive.

The list is based on a company survey including more than 400 questions on factors such as leave policies, workforce representation, benefits and child care.

As president of 2 Hounds Design, a $ 3 million manufacturer of fashionable products for dogs, based in Monroe, North Carolina, she expects to benefit from any made - in - the - USA policies Trump implements.

However, homeowners» policies are limited in coverage and you may need to purchase additional policies such as home - based business insurance to cover other risks, such as general and professional liability.

Naspers is a Cape Town - based company with a dark history as the publishing house that for a long time supported South Africa's racist National Party and its Apartheid policy (Naspers has since apologized for its role in that era).

US - based shale producers including EOG Resources Inc., Continental Resources, Inc., and Pioneer Natural Resources are set to suffer as oil prices continue to be weighed down by the increased production Trump's policies imply.

«Unless the policy rate differential between South Korea and the U.S. is as wide as 100 basis points, it will be OK and we won't see major capital outflows,» Yoon said.

«The emphasis on sports is part of Kim Jong Un's strategy to construct and highlight more of what makes life fun, such as culture and entertainment,» explained Benjamin Katzeff Silberstein, associate scholar at the Philadelphia - based Foreign Policy Research Institute.

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.»

They have reputations as being believers in policy that is based on facts and reasoned analysis.

Sessions» policy will let U.S. attorneys across the country decide what kinds of federal resources to devote to marijuana enforcement based on what they see as priorities in their districts, the people familiar with the decision said.

«As a small - business person, I do not make many of my economic decisions based upon tax policy.

«He has proved to be a consensus builder for the sound monetary and financial policy that he believes in... based on his record I am confident that Jay has the wisdom and leadership to guide our economy,» Trump said as the Fed nominee looked on.

Of course, just which matters ought to be left to judgment on a case - by - case basis, and which ought to be categorically determined as a matter of policy, is a hard problem for those who design institutions of all kinds.

But instead of meeting and answering the theoretical and evidence - based objections to using fiscal policy, bank economists seem comfortable with proceeding as though these counter-arguments simply don't exist.

In general, economists believe in the power of free markets and individual liberty, and, as such, are opposed to outlawing goods and services unless such a policy is justified based on costs to outside parties (i.e. negative externalities).

Some researchers argue that it is impossible to determine when a contractor is truly working for a company during the times when the worker is waiting to pick up a ride, because the driver could be using two applications at once or attending to personal business.100 However, as noted in a 2016 report by the Economic Policy Institute, both Uber and Lyft already have guaranteed pay plans that they use in some markets during certain hours that pay workers guaranteed minimum earnings per hour based on their entire time logged into the system, including waiting times.101

In more recent applications, forward guidance has become more explicitly outcome - or data - based, with some central banks identifying thresholds such as specific rates of inflation or unemployment which, if crossed, would prompt a reconsideration of their policy track.

The doctors» lobby has warned the government not to allow health funds to price insurance based on factors such as age and lifestyle, while attacking «junk» policies that don't cover common procedures.

The quotes are based on a basic liability protection policy for the 2011 Toyota Camry across 12 insurers, including both national (such as GEICO and State Farm) and regional (such as Western National Insurance and Farmers Mutual of Nebraska) companies.

[01:30] Introduction [02:30] Tony welcomes Alexandra [03:40] Launching in 2007 — it came from a place of passion [04:25] Establishing clear roles among founders [05:40] Flexing her multilingual skills in business [06:25] Adjusting how you speak to someone based on their objectives [08:10] The secret to Gilt's growth [09:20] Building a business that would thrive during winter [10:20] Finding the capital to purchase inventory [10:40] Moving from venture to private equity funding [11:20] It's all about smart money [11:40] The future of traditional retail [12:20] The subscription model [12:40] Catering to the time - starved customer [12:55] Bringing services into the home [13:10] Leaving Gilt to lead Glamsquad [16:10] Glamsquad started as an app [17:10] Vetting employees [18:10] Building trust with customers [19:00] Taking massive action — now [20:20] Launching the first sale on Gilt — without a return policy [21:30] Fitz [22:00] The average person wears only 20 % of their wardrobe [23:00] Taking the time to understand your customer [23:20] Challenges as a woman in business [24:40] Advice to a female entrepreneur that's just getting started [25:25] The importance of networking [25:50] Knowing the milestones to hit along the way

The Federal Reserve has lowered short - term interest rates by 100 basis points in a month — an action they describe as a «rapid and forceful response» of monetary policy both to the changing circumstances and the changing behaviour of the US economy.

The Massachusetts Securities Division issued Friday a policy statement that will serve as guidance to robo - advisors seeking to register in the state, saying robos would be evaluted «on a case - by - case basis.»

As a Director of Economic and Energy Affairs for an Abu Dhabi based Authority, Abdulla leads a team that conducts targeted research and provides strategic economic policy advice to the senior leadership of two distinctive authoritative bodies within the capital.

As part of the changes to the budgetary process in 1994, four private sector forecasting organizations [2] develop detailed fiscal projections on a National Accounts basis, based on the average of the private sector economic forecasts and the tax and spending policies in place at the time of the last budget for the next five years.

[12] Nor does the notion that monetary policy operates by expanding the money supply (or base money) and this excess supply bids up demand for goods and services (and their prices) as people attempt to get rid of their excessive money balance.