Sentences with phrase «end of the level term»

Prior to the ending of the level term period, however, or to the attainment of age 70 — whichever is earlier — the insured is allowed to convert the policy over to a permanent life insurance policy that Lincoln makes available.

You buy a level term life insurance policy, usually for 15, 20 or 30 years, and pay a higher premium, generally 25 - 50 % more, for the opportunity to get100 % or your premiums refunded at the end of the level term period.

Many companies will allow you to convert up to the end of the level term period, but no later than age 65 or 70 typically.

This policy can be converted to a whole life or conversion universal life (conversion UL) on any premium due date prior to the earlier of age 70 or end of the level term period.

Even though you had a policy that has come to the end of its level term, it might make sense just to buy another term policy instead of a lifetime or permanent life insurance policy.

To determine an effective rate of return, you would need to place the difference of premiums ($ 205 annually) in an alternative investment * with the goal of accumulating 100 % of the ROP policy premiums ($ 19,050) at the end of the level term period (30 years).

Obviously, at the end of the level term period, you also have the option to walk away with all of your premium payments.

Depending on the insurance company, at the end of the level term period, you may have the option to use the policy cash value to purchase a guaranteed paid - up «whole life policy» without having to prove your health.

Return of premium term provides a guaranteed amount of life insurance at a premium rate that is level over the term period but also builds cash value and returns 100 % of premiums paid at the end of the level term.

In summary, regardless of your circumstances there are options for you as you approach the end of your level term period.

Cash values may be accessed prior to the end of the level term period but only percentage of premiums is generally returned.

Conversion Feature — You also have the option of converting your term policy to a Permanent Life policy at age of 70 or the end of the level term policy.

The return of premium feature will generally provide for a refund of all or some of the premiums you paid for the term insurance at the end of a level term period or at end of the term coverage period if no death benefit was paid out during that period.

What happens at the end of the level term is the premiums skyrocket through the roof and most people drop the policy at that point.

Unlike regular term policies, return of premium term life insurance rewards you for keeping the policy by giving a guaranteed return of your total cumulative premium paid on the policy during the level term period, not including substandard (extra charges for health) and rider charges (extra benefits such as disability coverage), if any, which will be paid to the policy owner at the end of the level term period if the policy is then in force.

At the end of the level term period, the rate goes up very aggressively, similar to rent.

Not exact matches

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.

To this end, it offers short - term Junior Research Fellowships on an ongoing basis to Canadians who are currently enrolled in undergraduate or master's - level programs, or who have completed their degree programs within 12 months of the application deadline.

Stretching out the term of your loan as long as possible through extended payments or income - based repayment can help to reduce the monthly payment to a more affordable level and improve cash flow, though keep in mind that you could end up paying more in interest over the lifetime of the loan.

And therefore, I am a little bit concerned that the absence of term premium at the long end of the market is the market's myopia over the current low level of short - term interest rates.

While the Australian market has not kept pace with the rises seen in the US over recent months, over the longer term it has been considerably more stable; the ASX 200 is now around the same level as at the end of 1999, whereas the S&P 500 has fallen by about one - third over that period.

Additionally, if most of my existing stock and ETF positions began to melt through obvious support levels, it would provide further confirmation that stocks are headed for a substantial correction (which is not to be confused with the end of a long - term uptrend).

Product Level 3 * — please select — Analytic Tools Best Execution BondEdge Business Entity Service Colocation and Proximity Hosting Connectivity Connectivity & Feeds Consolidated Feed Continuous Evaluated Pricing Corporate Actions Cscreen DataX Desktops & Tools Econfirm End of Day Evaluations ETF Valuations & Index Construction Evaluated Pricing EvalueX Exchange Data Fair Value Information FATCA FutureSource Historical Market Data ICE Benchmark Administration ICE Block ICE Derivatives Analytics Suite ICE Energy Indices ICE Link for CDS ICE Options Analytics ICE Trading Platform Index Services Instant Messaging ISVs Liquidity Indicators Managed Services Market - Q Meteorological Reports MiFID II MPV News & Alerts NYSE Data NYSE Index Services Oil & Natural Gas Commentary OTC Data Petroleum Refining and Nat Gas Alerts Post-Trade Price Discovery & Execution Pricing & Analytics Quote and Data Distribution Real - Time ICE Markets Data Reference Data Regulation SFTI Global Market Access SFTI Low Latency Solvency II Terms and Conditions Tick History Trade Vault US Treasury Bond Index Series Vantage View Only Quotes Wealth Management Other

In terms of own price elasticity values, a recent meta - analysis estimated an average own price effect for carbonated sugar sweetened drinks (a near equivalent of the category non-concentrated sugar sweetened drinks, which predominantly includes carbonated drinks) of − 0.93, larger than our value of − 0.81.51 Our estimated value is also at the lower end of the range of own price elasticities frequently cited for sugar sweetened drinks of − 0.8 to − 1.0, based on one large review.52 Our own price estimate is comparable to experimental data (a 25 % reduction for a 35 % price rise) in a canteen study.53 However, all these estimates may be influenced by US studies in which higher estimates may reflect higher levels of consumption.

However the company argued that at a comparable operating level (ie without the effect of the volatile exchange rate) operating profit was up 15 % to # 851,000, but it was non-operating exchange losses on long term loans and new hedging contracts taken out shortly before the end year that had hit this figures, after resulting in charges of over # 450k.

At the end of the study, the curcumin group had lower levels of three blood markers of inflammation, including C - reactive protein (CRP), along with lower fasting blood sugar and hemoglobin A1c (a measure of longer term blood sugar levels).5 For comparison, the placebo group had higher blood sugar levels and increased inflammation after the eight weeks.

Do you feel that the immense pressure on teams to stay in the top tier is causing crazy levels of money being pumped in to bring in top talents could end up leading another Premier League club, like Portsmouth last term, to the verge of administration?

Wilshere has had a really strong season in terms of fitness until his recent season ending injury, and it was promising to see that he could still potentially have the fitness levels to remain with Arsenal.

The Swedish superstar is out of contract at the end of the term, and is believed to be keen to continue playing at the top level.

At the end of the day it matters little in terms on advantages since everyone in the Premier League will then have to abide by the rules, which creates a level playing field.

Liverpool and Manchester United are still probably the two biggest clubs in England in terms of history and tradition as well as trophies, Manchester City are now serious players at the European level, Everton possess narrative in spades including not a few national titles and even the likes of Preston North End (The Invincibles, Tom Finney), Blackpool (Stanley Matthews, Jimmy Armfield), Blackburn Rovers (Alan Shearer et al.) and others have a position in the upper consciousness of the game.

Arsenal had to dig deep and with less than 20 minutes to the end of regular time pulled one back through a Matersacker header which found the back of the net bringing the game back on level terms before dragging the game into penalties and then Goalkeeper Fabianski brought the magic out of him with two outsatanding saves to see the gunner through to the final.

So, our debate with the Lib - Dems and their supporters should not be about the fairness of cuts - which ends up with short - term / long - term arguments - but the kamikazi economics of the coalition agreement, which threatens at worst a return to recession and at best low levels of growth.

Gutiéerrez, one of the most vocal members of the Congressional Hispanic Caucus and who is retiring at the end of this year, has been torching House and Senate Democratic leadership all week over a bipartisan agreement to raise long - term funding levels for defense and domestic programs.

«Water levels on Lake Ontario were actually slightly below the long - term average from May through the end of December 2016.

«We are going to pilot the use of electronic textbooks at the junior and senior high level and if this pilot is successful then we will expand it across the board... We shall expand the progressive free SHS before the end of my term and also extend it to cover boarding students,» he added.

«We're not going to pass a budget, we're not going to end this session, without having changed the ethics rules that relate to what people do in terms of outside income — whether it's the level of outside income they have or, more importantly, making sure that people can't use their public office in a way to benefit themselves privately,» Morelle said.

At the other end of the spectrum, there are examples showing that high levels of stress can lead to hypocortisolism in the long term.

And achieving any stabilization target — whether 2 degrees C of warming or 450 ppm or 1,000 gigatons of carbon added to the atmosphere by human activity — will require at least an 80 percent cut in emissions from peak levels by the end of this century and, ultimately, zero emissions over the long term.

You May Also Like: 50 Years After Warning, No Debate in Paris on the Science Obama Likely to Make Keystone Decision By End of Term Climate Implications Seen in Call For Keystone XL «Pause» New York Prepares for Up to 6 Feet of Sea Level Rise

This chemical weathering process is too slow to damp out shorter - term fluctuations, and there are some complexities — glaciation can enhance the mechanical erosion that provides surface area for chemical weathering (some of which may be realized after a time delay — ie when the subsequent warming occurs — dramatically snow in a Snowball Earth scenario, where the frigid conditions essentially shut down all chemical weathering, allowing CO2 to build up to the point where it thaws the equatorial region, at which point runaway albedo feedback drives the Earth into a carbonic acid sauna, which ends via rapid carbonate rock formation), while lower sea level may increase the oxidation of organic C in sediments but also provide more land surface for erosion... etc..

In the long term, changes in sea level were of minor importance to rainfall patterns in north western Sumatra With the end of the last Ice Age came rising temperatures and melting polar ice sheets, which were accompanied by an increase in rainfall around Indonesia and many other regions of the world..

Sebekova K, Krajcoviova - Kudlackova M, Schinzel R, Faist V, Klvanova J, Heidland A. Plasma levels of advanced glycation end products in healthy, long - term vegetarians and subjects on a western mixed diet.

In terms of mercury levels, a particular concern for pregnant women, Dr. Lichtenstein said she suspected that canned fish like salmon probably contains less mercury than fresh, because smaller - size fish, which carry less mercury than larger ones, are more likely to end up in cans.

It's a bit of a disappointment in terms of overall interest level, but if you need more closure to the story than the first film provided, it does tie up some of the important loose ends, not the least of which is the fate of Ming and his adjustment to his life of being a cop on the side of good.

Brilliant on the level of pure entertainment, and smart - and still consistently funny - in terms of the treatment of its source material, by lampooning with such insightful wit, The Lego Batman Movie, ironically, also ends up being a great Batman movie in its own right.

Great write up Guy, seriously a great way to end what I think was a fantastic year in terms of the level of excellent film criticism you produced.

For example, a student who begins the year at the 50th percentile on the state reading and math test and is assigned to a teacher in the top quartile in terms of overall TES scores will perform on average, by the end of the school year, three percentile points higher in reading and two points higher in math than a peer who began the year at the same achievement level but was assigned to a bottom - quartile teacher.

Use these as end of term mock exams to test their current level.

Many students will end up using their blogs after the course or term has ended, and likely will maintain the same level of professionalism to build their digital identity.