Sentences with phrase «benefit decreases over»

Some insurance companies even offer decreasing term life insurance, which means the death benefit decreases over time along with your mortgage loan balance.

Decreasing term life insurance means that the benefit decreases over time as do your premiums.

Like your mortgage balance, the death benefit decreases over the life of the policy, but it will never fall below 20 % of the original value, while premiums remain level.

With this type of term policy, your death benefit decreases over time as you pay a level premium.

Another thing to consider is that a mortgage life insurance policy is often written as a decreasing term policy, so the death benefit decreases over time, (just as your mortgage payoff amount decreases as you pay your monthly mortgage payments), but the premium remains the same over the life of the policy.

Decreasing term life insurance is less expensive than level term life insurance, but the death benefit decreases over time.

The insurer, in turn, is able to keep premiums level as the difference between the cash value and death benefit decreases over time, reducing their liability.

Another thing to consider is that a mortgage life insurance policy is often written as a decreasing term policy, so the death benefit decreases over time, (just as your mortgage payoff amount decreases as you pay your monthly mortgage payments), but the premium remains the same over the life of the policy.

Because the death benefits decrease over time, these policies tend to be more affordable than a standard term life insurance policy.

Decreasing Term Life Insurance — With this type of policy, the death benefits decrease over various designated time increments throughout the life of the policy, but the premiums you pay remain the same.

• Decreasing Term Life Insurance — Here, the death benefits decrease over designated time increments throughout the life of the policy, but the premiums you pay remain the same.

This is because as the benefits decrease over time and the coverage may not be quite high enough later in life to cover all expenses.

Because the death benefits decrease over time, these policies tend to be more affordable than a standard term life insurance policy.

A term life insurance policy where the death benefits decrease over the life of the policy may be the ideal life insurance solution for you.

• Decreasing Term: Death benefits decrease over the term and the insured enjoys a fixed premium.

Not exact matches

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

The employment index climbed to 15.9 from 15.3, the part - time employment index decreased to 3.7 from 5.1, the hours worked index dipped to 8.0 from 8.3, the wages and benefits index grew to 23.5 from 20.9, the input prices index fell to 27.9 from 29.2, the selling prices index increased to 19.2, its highest level in over 10 years, from 17.0, the capital expenditures index slid to 16.0 from 17.6, the general business activity index rose to 14.5 from 13.4.

Over diversification is a serious and common mistake that decreases investment returns disproportionately to the benefits received.

As the names imply, decreasing term policies pay a lower death benefit over time, while level term policies maintain the same death benefit for the term of the coverage.

For the higher - income $ 100,000 per year spenders who rely on portfolio withdrawals for a bigger portion of their retirement, these distributions would also decrease in nominal terms over these two decades, assuming Social Security benefits were $ 40,000 with 2 percent inflation.

«Introducing solid foods early means that the baby gets less breast milk over the course of their infancy, and that decreases the ability to get optimal benefits, like protection against infection,» said Dr. Alice Kuo, from the UCLA Center for Healthier Children, Families and Communities.

As a result, prevention and treatment approaches that decrease relapse risk and / or increase the intervals between major depressive episodes over the long term hold the greatest promise to benefit mothers and children.

The protective effect of the cells on rheumatoid arthritis decreased over time, with no benefit seen 15 years after a woman last gave birth, according to a study in Arthritis & Rheumatism published online March 2010.

The metabolic benefit of decreasing the rate of glucose absorption was clearly shown by studying the effect of 50 g glucose in water consumed either over 5 — 10 min (bolus) or at a constant rate over 3.5 h (sipping), as described by Jenkins et al (9).

Coconuts contain over 50 percent of medium chain fatty acids, which have many health benefits, including weight loss, increased energy, seizure reduction, improved digestive and cognitive health, and a decreased risk for heart disease and chronic inflammation.

And it's important to realize that a lot of these are a little bit different than what you'll get if you are to say like go to your local medical supply store and get the old band socks like a lot of the compression socks and especially the ones that have shown or hinted at any benefit in raising or in a lab were at over 25 what's called millimetres or mmhg of pressure and in many cases were this graded compression socks, they get like tighter at your ankle and then decreases as they move toward your hip.

Despite these hardships and gaps, U.S. youth have benefitted from significant academic and health improvements over the past seven years, including a 20 percent decrease in the number of kids without health insurance and an 11 percent reduction in the high school dropout rate.

You can benefit from reviewing your situation over time to better suit any changes in your life such as increases in spending or decreased expenses and changes in tax laws that may affect your overall situation.

You pay a flat premium over the duration of the policy, but the face value (death benefit) of the policy decreases over time.

And as your portfolio turns over faster, the tax benefits decrease dramatically.

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.

Over the five - year period, there was a shift in the age demographic of members receiving benefit payments, with a decrease in the proportion of members 64 years and under corresponding with an increase to those 65 years and over (by 11Over the five - year period, there was a shift in the age demographic of members receiving benefit payments, with a decrease in the proportion of members 64 years and under corresponding with an increase to those 65 years and over (by 11over (by 11 %).

The majority of members receiving benefit payments were aged 60 - 69, with the proportion decreasing slightly over the period from 62 % in 2010 to 58 % in 2014.

A decreasing term life policy (aka mortgage life insurance) features a death benefit that declines over time, even while the premium typically stays the same.

Even a small decrease in your interest rate has a compounding savings benefit over the life of a loan.

The total guaranteed death benefit is the total face amount guaranteed assuming no dividends were used to purchase paid - up additions, which could actually decrease the death benefit over time.

As a result, you will benefits by decreasing the amount you owe on a month - to - month basis, but you will pay more interest over life of the loan consolidation term.

Decreasing term life insurance is a life insurance option where the death benefits decrease on either a monthly or annual basis over the life of the policy.

Most insurers only offer decreasing term insurance policies, in which the death benefit becomes smaller over time, because financial obligations tend to decrease with age.

Depending on the type of permanent policy, you could see your death benefit shrink and / or premiums rise over time, or the cash value portion could decrease.

In addition, riders can be added to each policy that allow you to adjust the death benefit, either so that it increases over time, it decreases over time, or you're able to purchase additional coverage later without medical questions.

Over time this will decrease but so will the tax benefits

A major part of the premium goes to fees for the first five years and a portion goes to maintaining the death benefit; over time, the fees portion decreases and more of the premium goes directly to funding the cash value.

Your individual policy outlines the exact requirements, and there are limits involved (further underwriting if you want to increase the death benefit or fees to decrease it), but it can keep you from over - or underinsuring yourself.

Real estate investment trusts (REITs) offer diversification benefits relative to stocks, with correlations decreasing over time.

The recommended amount of bed rest following surgery for humans has decreased over the years as health professionals have discovered that the benefits of early mobilization (i.e., getting up and moving within 24 to 48 hours of surgery) outweigh the negatives.

The benefits of endoscopy over exploratory surgery include no incision, shortened anesthetic time, decreased inflammation, less stress and discomfort, and an earlier return to normal function for your pet.

Key Benefits Supplementation beyond the analogous canned or dry formula is unnecessary and may decrease the effectiveness of the food.The following ranges are a starting point only and should be adjusted as needed to maintain proper weight.When feeding this food for the first time, mix increasing amounts of the pet's new food with decreasing amounts of the old food over a 7 - day period.

TNR provides benefits at three levels: the feral cats» lives are better, the neighbors» are calmer, and the size of the colonies decreases over time.

The TNR program will decrease the number of cats that could potentially harm birds and wildlife over time (refer to more information about the benefits of TNR above).