Sentences with phrase «at time of policy issue»

The benefit amount is known at the time of policy issue and unlike 101 (g), riders pay for both temporary and permanent benefits.

In addition, an optional enhanced death benefit is also available if the annuity owner selects the life income option with a protected period at the time of policy issue.

Another endorsement — the Income Protection Option (IPO)-- will allow the policy owner to choose a specific form of payout for the policy's death benefit, including either a lump sum at various times or monthly payments to the beneficiary, at the time of policy issue.

At the time of policy issue, you were in excellent health and rated at «Preferred Non Tobacco».

Actual amounts are dependent upon interest rates in effect at time of policy issue.

Terminal Illness — In the event that the insured is found ineligible for critical or chronic illness coverage at the time of policy issue, terminal illness coverage may still apply.

In addition, an optional enhanced death benefit is also available if the annuity owner selects the life income option with a protected period at the time of policy issue.

Not exact matches

«From time to time, I will get called by the director general of export controls at Global Affairs Canada, asking for my feedback regarding a policy issue.

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.

In an era when Mark Zuckerberg can be called on the carpet by Senate investigators because of possible wrongdoing by Facebook over the Russian hacking scandal — and at a time when researchers are actively examining whether social media is psychologically, maybe even physically addictive — revenge porn as a public policy issue is on the ascent.

While the content can seem a bit dense and academic at times — the essays are, after all, written by some of the nation's leading thinkers on business issues — the website is a potentially valuable resource for policy makers and anyone thinking about starting a new business.

An important and useful element of the thinking at the time was the replacement of the earlier «control theory» approach to policy (i.e. the belief that the central point was to find an appropriate spot on the Phillips curve and to stay there), towards a «game theoretic» view, in which the critical issues related to behaviour — the interaction between the monetary authorities and the public.

This has caused issues for some universal life policyholders, since at one time policies were sold with maturity dates of 85 years of age.

In joint statement, Boehner and Weld said «while we come at this issue from different perspectives and track records, we both believe the time has come for serious consideration of a shift in federal marijuana policy.»

Specifically, the FOMC is opting to retain its easy monetary policies, but undertake no new initiatives at this time, Perhaps the Fed went this more conservative route in view of the somewhat better news out on the economic front over the past few weeks, notably the generally improving housing metrics, the pickup in June's personal income, and the surprising uptick in the Conference Board's Consumer Confidence Index for July issued yesterday.

It amended the 1998 policy and added a category of «entities of particular concern» to cover non-government actors such as ISIS or Boko Haram, confimed that the international religious freedom ambassador - at - large reports directly to the secretary of state, and added a 90 - day deadline from the time the State Department issues its annual religious freedom report to the time it needs to present a new list of new CPCs.

That injury list is clearly an issue and not a helpful one to our hopes in Europe or the Premier League and after it just about doubled in the month of November at the same time as our results hit a wall, a lot of Arsenal fans as well as those critics in the media always ready to gloat over any Arsenal misfortune were quick to lay the blame squarely at the feet of Arsene Wenger and his transfer policy of, well not making any transfers.

This is a very useful work of reference, especially at a time when parental leave is high on the policy agenda, and provides fascinating insights into how a wide range of countries are tackling these, and related, issues.

The International Secretary General of MSF, Oberreit, illustrated this method when, at the same time as the tweet was issued about «victims of EU policies», he called on European governments to change their priorities: «rather than maximising the number of people they can push back, they must maximise the number they welcome and protect.»

In the UK, a study by Loughborough University found that during the Brexit referendum, television news bulletins in the six - week period in May and June dedicated no time at all to environmental issues — despite the fact that much of UK environment policy is determined by the EU.

Ultimately, the right strategy gives advocates the best chance of using channels like Facebook, Twitter, email, Instagram, websites, blogs and online advertising to reach the right audiences with the right messages at the right times to mobilize supporters, find new allies and advance a campaign's policy or societal issues.

As to Thatcherism, which you see as one of the «models... to learn from», that was at least partly a matter NOT of dumbing down complex policy issues to sell to the cretins out there but of actually being in tune, for a time, with some of the aspirations of a new social subject.

Mark - Viverito has made immigration and sanctuary city policy a focus of her time in office, proposing and helping to pass several bills aimed at limiting the city's cooperation with federal authorities over immigration issues.

«The NPP presented a more people friendly policies... and at that time the NDC was so unattractive and still unattractive to up thinking and moral upright people because of the issue of corruption, they way and manner the government was run, the way and manner they didn't care about the plight of the people moved me closer to the NPP than it should have taken to the NDC,» he added.

Jon Cruddas, the Labour policy chief, is widely thought to view euroscepticism as part of his Blue Labour agenda and even figures like Chuka Umunna have expressed support for an In / Out referendum to settle the issue (I should know - he knocked on my door at election time and told me so).

«We are already struggling with the number of cars we have in the streets of our cities; congestion, air pollution, road safety issues, health impacts from people driving all the time,» said Luc Nadal, technical director for urban development at the Institute for Transportation and Development Policy (ITDP).

«We're aware of the research undertaken by the US air force and have been working for some time with UK and European authorities and agencies to understand and mitigate the issues,» says Brendan Kelly, policy chief at National Air Traffic Services in the UK.

«The study raises an important issue, how climate change can result in unanticipated release into the environment of toxic and radioactive wastes that were optimistically presumed at the time to be stably isolated,» Daniel Hirsch, director of the Program on Environmental and Nuclear Policy at the University of California, Santa Cruz, said in an email.

At the same time, we will also issue a compliance policy that, with the exception of outliers potentially harming public health in a significant way right now, will give current product developers a very reasonable period of time to interact with the FDA in order to determine if they need to submit an application for marketing authorization and to come into the agency and work on a path toward approval.

This improved understanding will help policy makers and business leaders formulate decisions that address climate change issues and, at the same time, improve our quality of life.

In view of the increasing activity and attention to the role of science in foreign policy at the highest political levels, we believe the time is right to catalyze greater thought and discussion about issues at the interface of science and diplomacy.

Paul Peterson interviews Robert Shapiro, an expert on public opinion, about how the partisan divide in education policy is shifting, as issues of school quality and accountability have produced «conflicted liberals,» at the same time that the presidential election is creating «conflicted conservatives.»

At the same time that the board was debating the policy, wrangling over credentialing rules for teachers of limited - English - proficient students was pointing up sharp divisions on the issue among California teachers.

An article by Christine Rossell that appeared in the Spring 2005 issue of Ed Next looked at the history of magnet schools in the U.S. and changes in their admissions policies over time.

Even if this time is not explicitly built into the policy cycle, policymakers should at least be aware of these issues and adopt a stance of patience toward policy revisions.

Everything we do at HGSE is grounded in the belief that education is the most pressing issue of our time, and that research - based education policy and practice have the power to create a more just and prosperous society.

At times, the agency is specifically tasked by the Vermont State Board of Education or the Vermont Legislature to create model policies that address specific issues related to students and schools.

At the same time, their silence gives tacit support to arguments by traditionalists that standardized testing should not be used in evaluating teachers or for systemic reform (even when, as seen this week from American Federation of Teachers President Randi Weingarten and others critical of the state education policy report card issued by Rhee's StudentsFirst, find it convenient to use test score data for their own purposes).

Suzanne Beckley, a policy adviser at the National Education Union, said she is investigating part - time work at present, and her union has just issued a survey on the topic to 10,000 of its members.

At the same time, there are still citizens — especially dual - income households without children who tend to populate cities, as well as those concerned with other issues — for which education policy doesn't weigh in as a deciding factor largely because they see little concrete connection between low graduation rates and the levels of crime in their communities.

Besides the enormous concerns with Achievement First's disciplinary policies as revealed in the report last year (which should have resulted in placing the charter under state supervision and in preventing additional school takeovers, I mean openings), a troubling issue with In - School Suspensions, Time Out Rooms, and Out - of - School suspensions, at all grade levels, is that it takes students out of the learning environment.

Apply for a new term policy: The renewal premium that the insurance offers is set at the outset of policy issue and assumes that people who are more likely to renew are those who would have a difficult time qualifying for a new policy.

The complaint alleges, among other things, that the insurers, which also issued separate policies to Lazare Kaplan under English law, created a virtual coverage «whipsaw» by denying coverage under the English policies on the ground that Lazare Kaplan does not have an insurable interest in the largest portion of the property at issue while at the very same time asserting under the New York policies that there is no coverage because Lazare Kaplan insured the same property under the English policies.

For more information on why renters insurance policies are issued for a year, and whether that's an appropriate length of time for your personal needs, contact the renters insurance experts at Effective Coverage at [phone] or click above for a free online nationwide renters insurance quote today!

At time of issue you need to pay the insurance carrier an amount equal to the difference in price between the term policy and what the premium payments would have been had you bought a whole life policy in the first place.

This is the amount of a life insurance policy's death benefit at the time of issue.

The key point is whether, at the time of application, you were told this was an important part of the policy and were asked to disclose any past health issues.

As part of a divorce settlement, a woman owned a whole life insurance policy that had been issued to her ex-husband in 1967, who was 38 at the time the of issue.

Optional Travel Insurance coverages are subject to exclusions and limitations that are fully described in the policy, which is issued at the time of enrollment.

The organization must complete a separate application advising how it will operate and hold animals and handle animals with behavior issues and medical or health issues, its adoption or placement programs, training for staff or volunteers, veterinary care, types of animals and number it will hold at one time, return policy, and what work the organization will do to help abandoned, lost or recovered animals in the county.