Sentences with phrase «coverage decreases over time»

For many people, the need for coverage decreases over time, for example as debts are paid off and children graduate college.

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).

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.

You can also decrease your coverage online over time, with no fees or penalties, so you can adjust your coverage as your family's life needs change.

I.e., for a given human genome with the a given coverage, would the computing required decrease over time as the read lengths increase?

That's because most private insurers automatically decrease the level of coverage as the loan is paid off over time.

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.

Should your insurance needs change over time, Variable Universal Life usually provides the flexibility to increase or decrease your amount of coverage.

The larger decrease seen when ERA - Interim has complete coverage must be viewed with some caution, as the drying comes from areas for which HadISDH does not find suitable station data and for a region where ERA - Interim precipitation has a questionable decrease over time.

Should your insurance needs change over time, Variable Universal Life usually provides the flexibility to increase or decrease your amount of coverage.

These policies decrease in the coverage amount over time and at the end of the policy you will have little to no coverage.

What this means is that the policy will decrease in the coverage amount over time.

With decreasing term insurance, you purchase a specified amount of life insurance at guaranteed level rate and the insurance coverage reduces over time.

If you don't have any life insurance this is the worst type of policy for you, so make sure you always ask if the coverage is level or if it decreases over time.

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.

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.

You'll notice in the table below that the coverage for the first 15 years ($ 2 million) remains the same and gradually decreases over time as your insurance needs subside.

Third, our data shows that liability coverage hasn't significantly decreased in cost over time.

Level term insurance is more popular for mortgage payoff death insurance protection because it offers more affordable pricing and your coverage amount provided by the policy does not decrease over time.

If your insurance needs change over time, you can increase or decrease your coverage, says Life Happens.

The Ladder Strategy is a method of combining separate term life insurance policies in a way that decreases your coverage over time — saving you money now in a way that still ensures you and your loved ones will have the right amount of coverage in the long term.

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.

Despite the lower initial price, as a decreasing term life policy ages, you will still need to pay the same price even though the plan offers less coverage over time.

Typically, the amount of coverage will decrease over time, which corresponds to a reducing need for coverage.

At Life Ant we recommend that our clients who do not want to commit large amounts of their financial resources to life insurance examine quotes for decreasing coverage policies because this may provide such substantial savings over time.

To illustrate how this works, here is a graph showing insurance coverage over time with a decreasing term life policy.

Both life insurance policies start with a certain death benefit and premium, and both decrease over time as the need for coverage decreases.

Although the premiums do not decrease over time, your mortgage life insurance quote will be considerably lower than if the quote you would receive if the policy's coverage were level throughout its term.

Here, the amount of the insurance coverage will decrease as the amount of the unpaid balance is reduced over time.

Consider level term instead of decreasing term, so your life insurance coverage doesn't decline over time.

You'll get more coverage (since it doesn't decrease over time), have a less costly premium, and save nearly 20 % off the price you would pay if you had purchased mortgage life insurance.

This feature sounds great, except that with many policies the coverage these consistent premiums buy you will shrink over time as the potential payout decreases.

The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage.

While this type of coverage may at first sound odd, it is meant to insure people who currently have greater financial responsibilities that will decrease over time such as a mortgage or other large debts.

These policies are issued for an amount equal to the balance of the mortgage, and the coverage decreases in value over time, making them a form of decreasing term life insurance.

Understand the Warranty — It may range from 10 - 25 years, but coverage is sometimes pro-rated, decreasing over time.