Sentences with phrase «by policy buyer»

Both accidental death and disability benefit have been clubbed and they can be taken by the policy buyer but only before 5 years tenure of policy paying.

Not exact matches

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

The broker tries to find the buyer the best policy by comparison shopping.

Experts anticipate a mix of supply and demand levers in the B.C. NDP's new housing policy, including a speculation tax and a widening of Vancouver's foreign buyer tax, introduced by the previous Liberal government in 2016, to include more cities.

Juwai.com Vice President Byron Burley speaks to Greg Bonnel of BNN on House Money about Chinese property investor interest in Canada following tougher foreign buyer taxes, as well as policy changes by the Chinese government and central bank.

Experts anticipate a mix of supply and demand levers in the NDP's new housing policy, including a speculation tax and a widening of Vancouver's foreign buyer tax, introduced by the previous Liberal government in 2016, to include more cities.

The National Association of Realtors (NAR)'s Danielle Hale, Managing Director of Housing Research, was joined by Alex Nowrasteh, immigration policy analyst at the Center for Global Liberty and Prosperity at the Cato Institute, to share insight on the current and future impact of foreign buyers and immigration on the U.S. housing market.

He praised the policy, but admitted that Labour's proposals to prioritise new - builds for first - time buyers living in area for three years was «difficult», as it could potentially penalise someone looking to move up the social ladder by purchasing a property in a new area.

One decent example for our business policy, we had a serious buyer for Gibbs for # 12 million which was rejected by our board and wanted at least 15 million for him and ended at selling him for 7 million in the same window.

By the time, we finally began to loosen FX policy last month, we had perhaps up to ten exchange rates for different categories of buyers ranging between N197 / $ for pilgrims, N315 / $ at the interbank and over N500 / $ in the parallel markets where most people got their dollars!

Even as he voiced support for proposals generally backed by Democrats — including expanded background checks and raising the age limit to 21 for some gun buyers — the president peppered his remarks with inaccurate facts about mass shootings and gun policy.

Get stuck into promoting policy to allow people to compare a future Britain to the one Brown has made for taxpayers, home buyers, motorists and businesses by injecting a bit of oomph in it with the likes of David Davis, John Redwood, Michael Fallon, Lord Strathclyde, Michael Howard and the like who can all talk the talk when it comes to laying out the real shambles Labour has created.

But due to different policies in different countries, there might be customs tax that should be paid by buyer.

True.com has to respect the privacy protections passed by the court, such as to explicitly state in the privacy policy section how members» information is handled and to obtain their consent to transfer their information to a third - party buyer.

However, Abbot notes, ambiguous language found in the site's privacy policy quietly adds that members» personal information held in the company's database would be treated as a transferable asset in the event the company was acquired by a third - party buyer.

com, recently acquired by big US book retailer Barnes and Noble, appears to be tightening its policies, blocking foreign buyers from purchasing titles.

Liberals: Start a new, 10 - year investment in social housing infrastructure, prioritizing affordable housing and seniors» facilities (including building more units and refurbishing existing units); encourage the construction of new rental housing by removing all GST on new capital investments in affordable rental housing; loosening the existing qualification rules for the Home Buyers» Plan to allow more Canadians affected by sudden and significant life changes to access their RRSP savings for a down payment; review escalating home prices in high - priced markets, including Toronto and Vancouver, and review all policy tools that could keep homeownership within reach for more Canadians.

By using HomeGauge Products, Buyer provides Company with access to use of the data provided, and provides consent to Company's use of this data as outlined in Company's privacy policy.

Any waiver by a buyer of the provisions of this Act shall be deemed void and unenforceable by a credit services organization as contrary to public policy.

They're big players in the world of debt - buying, where some very big credit reporting and scoring changes affecting millions of consumers are in the works.Encore Capital Group, the huge (more than $ 1 billion in revenue annually) debt - buyer known to millions of debtors by its subsidiaries — Midland Credit Management, Midland Funding, Asset Management and Atlantic Credit & Finance — announced in January 2017 it has imposed a new credit reporting policy that has already affected more than 1 million of their debt - holders:

Another delay was that the buyer had purchased home owners insurance on property required by his lender a year ago and they cancelled that policy considering they weren't living in the house and had to start a new policy.

This policy isn't required by lenders, and in some states the seller is traditionally expected to cover the cost on the buyer's behalf.

Which other specific policy levers — mortgage lending rules, increased access to the Home Buyers» Plan, taxes or restrictions on real estate investments by foreigners — is your government considering using in order to help average Canadians achieve their dream of home ownership?

Of these two policies, lender's title insurance is required by virtually all mortgage lenders, but buyer's title insurance is optional.

Unless buyers have extremely good credit, policies adopted by the lending and credit reporting industries can make it very difficult for them to be approved for a mortgage.

Alternatively, if it is determined that the policy has real economic value to keep, the advisor and client should consider whether it makes more sense to simply keep the policy to benefit directly from the long - term value of the death benefit, rather than sell as a life settlement (since by definition, if it's valuable to a buyer to purchase, it's valuable to the seller to keep it!).

Iconic Paws Natural Products ™, in its unilateral discretion, will not do business with any Buyer, as to the products covered by this MAP Policy, if that Buyer intentionally advertises any product on our site with MAP pricing listed («MAP Product») below its MAP price.

After years of intense campaigning by environmentalists and dire warnings from scientists, nearly two dozen major producers, traders, and buyers established zero deforestation policies that include environmental, social, and labor safeguards.

This is a life insurance policy that works for every age, but is often purchased by younger policy buyers.

Far too often buyers are persuaded into buying a whole life policy by an overzealous agent looking to score a large commission, when in fact a term life policy would have been a much better option.

As a buyer, you gain several things by being covered under a mortgage insurance policy.

Marine cargo insurance policy can be taken by buyers, sellers, import / export merchants, buying agents, contractors, banks etc..

They solicit insurance quotes and / or policies from insurers by submitting completed applications on behalf of buyers.

The most common mistake that policy buyers make is by choosing an insurance company solely based on its marketing campaign.

It is a time period where as a buyer you can return the policy to the company after reviewing the policy document by giving intimation in writing and seek refund of premium.

While buying a Term Insurance, the buyer can choose the term (period) of the policy, as per the options made available by a particular insurance provider - based on his / her age and other important parameters.

Notably, while advisors and their clients might engage with a life settlements provider directly to facilitate the sale of a policy (and thereby save money by eliminating the brokerage fees), the provider will function solely to purchase the policy themselves (or not), and would not obtain competing quotes from other potential buyers / investors (as that is the job of the life settlement broker).

By paying premiums in installments the insurance buyer can easily avail the policy online by filling the application form and medical declaration forBy paying premiums in installments the insurance buyer can easily avail the policy online by filling the application form and medical declaration forby filling the application form and medical declaration form.

For the convenience and knowledge of our policy buyers, here we have briefly discussed various group insurance policies offered by Life Insurance Corporation of India.

This Time frame is selected by the insurance buyer at the time of buying the policy.

The premium payment time period of the policy is around 6 years lesser than the actual tenure of the plan taken by the buyer.

The lump sum which the insurance buyer pays to the viator entitles him or her to become the beneficiary by getting the pay - out from the insurance policy in the event of the insured person dies.

Many prospective car insurance policy buyers are understandably discouraged by the reality of the situation, which is simply that costs will on average continue to climb.

Policy holders must apply a credit limit to each of their buyers for the sales to be covered by trade credit insurance.

There are also several web insurance aggregators, which help the buyer to buy the right insurance policy by giving unbiased and effective information and suggestion.

Before purchasing the policy, you need to disclose your health condition in the form which is considered to be properly evaluated and filled by the buyer.

This feature of an insurance policy removes the danger of mis - selling by agents also as the buyer gets the time for analyzing and reviewing the policy during the free look period.

Moreover, the e-scooter or e-bike insurance buyers must make sure to get a policy that can cover the cost of your bike by checking the maximum cover each insurer offers in the auto insurance market.

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request

Sales Associate — Queen Bee Beauty Products — Philadelphia, PA — 7/2013 to Present • Provide friendly customer service and help customers find products they are looking for • Process orders quickly and efficiently and advise customers on order delivery, warranties, and return policies of every product purchased • Disperse material on sales, discounts, and reward programs to gain additional customers • Close sales successfully with 95 percent of customersSales Associate — Young's Youth Supplies — Philadelphia, PA — 5/2010 to 7/2013 • Increased the company's yearly profits by 20 percent with innovative promotions and pitching campaigns • Maintained an organized and visually engaging store floor to promote goods and make buyers feel comfortable • Explained benefits of products and answered questions concerning proper usage and specific features • Adjusted communication and sales pitching according to customers» styles and needs