Sentences with phrase «from level term»

On top of that it allows employees to select from level term insurance, whole life, and universal life.

While a whole life insurance policy is an investment that increases in value over time, you know exactly what you will get from your level term life insurance policy from the day you sign the agreement until the day the policy expires.

You may choose from a level term mortgage life insurance plan that requires full underwriting which includes a medical examination.

By shopping online, you avoid an insurance salesperson trying to up - sell you from level term coverage to whole life.

Lifetime guaranteed term, also referred to as «term insurance to age 100», differs from level term insurance in that premiums are guaranteed not to increase.

While a whole life insurance policy is an investment that increases in value over time, you know exactly what you will get from your level term life insurance policy from the day you sign the agreement until the day the policy expires.

Not exact matches

Either way, his comments follow a trend of famous figures — from entertainers to sports figures — taking a hard stance against their children playing football at any level, especially in light of the revelations about long - term effects from football concussions that have surfaced in recent years.

Private equity returns remained strong but were lower than the prior year quarter, while income from our fixed income investment portfolio increased due to a higher average level of fixed maturity investments and higher short - term interest rates.

Pretty much from his first statements as governor in 2013 — that's about $ 100,000 ago in real estate appreciation terms — through to last week when the bank released its latest financial system review, Poloz has walked a tightrope between admitting that elevated house prices and debt levels pose a risk to the economy, and assuring Canadians that the likelihood of a crash is actually pretty low.

In other words, would pushing the short - term interest rate down to 0 percent, from the current rate of 0.16 percent, propel the GDP growth and inflation to such permanently higher levels?

CEO Randy Eresman noted in the Calgary - based company's 2011 year - end results: «For the industry as a whole, near - term natural gas prices are at levels below what it costs to add most new production, and in some places, may even be below what it costs to produce from existing wells.»

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.

Realize that removing yourself from low - level operations is the smartest investment you can make in the long - term success of your business.»

«Our illustrative estimate of the long term impact of reduced net migration from the EU27 on UK GDP per capita after Brexit is negative, but relatively small compared to many other uncertainties about average UK income levels in 2030,» said Hawksworth.

While short - term funding costs are rising and financial conditions tightening from very loose levels, corporate - credit spreads suggest no serious economic weakness or financial contagion is stressing the system yet.

Taking your startup to the next level requires a shift in mindset from focusing on the short - term to the long - term.

The store's numbers haven't been pretty either: Same - store sales growth last quarter was at its lowest level since 2009, a fact blamed in part on the New York City investigation and on the longer - term concern that it is facing stiff competition in the healthy - eating ethos up and down the grocery food chain — from Kroger (KR) and Walmart (WMT) to Trader Joe's and Sprouts (SFM).

The short - term rebound target from that level with the upside target of 21,600 has been achieved.

The cost for banks to borrow short - term dollar funds from other banks surged to its highest level since 2012 as financial institutions scrambled to secure funding before thinning trading volumes.

Short - term yields turned positive, with the two - year note yield near its highest level of the year after comments from the Fed's Stanley Fischer.

Fixed interest rates range from 5.25 % -11.99 % (5.25 % — 11.90 % APR) based on applicable terms, level of degree earned and presence of a co-signer.

Variable interest rates range from 3.80 % -11.90 % (3.80 % -11.80 % APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.

These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.

Variable interest rates range from 2.90 % -8.00 % (2.90 % -8.00 % APR) and will fluctuate over the term of the borrower's loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer.

The death benefit of a whole life insurance policy stays the same for the life of the policy, unless you purchase additional coverage, and often ranges from $ 50,000 to several million dollars (similar to level term).

Key support levels ahead for the latter index are 1,905, a 3 percent drop from Friday's close, and then 1,820, a violation of which «would alter the longer - term uptrend of the broader market.»

In short, because they pool longevity risk, can offer a well - diversified portfolio with longer - term investments, and are professionally managed, public pension funds deliver the same level of benefits as DC plans at only 46 percent of the cost.15 Any funds invested with the state pension fund would be kept in a separate investment pool from public sector funds.

So while there could be one or even five year periods where longer maturity bonds perform fairly well from these yield levels, over the long - term they're likely to be a poor investment in terms of earning a decent return over the rate of inflation.

An RSI near 70 suggests that momentum is clearly on ether's side, though short - term pullbacks could be in the equation as markets recede from overbought levels.

what they should do is actually quite simple, they should just say our balance sheet will continue to grow until we reach a price level target drawn from 2014 until now (just choose a date where inflation index was already below but not well below long term trend)

However, the leveling out of long - term rates and slower pace of withdrawals since then suggests that the market has «digested» the news from the Fed, and is settling into a more moderate pattern.

Withdrawals from bond funds accelerated after the rate hikes, hitting record levels (in dollar terms) for the week ending June 26.

Long bonds will end up being a very volatile investment at some point once rates or inflation rise from current levels, but intermediate - term bonds should continue to dampen stock market volatility.

In setting base salaries at higher than pre-financial crisis levels and reducing target and maximum annual incentive compensation opportunities from pre-financial crisis levels, the HRC intended to establish a more balanced relationship between fixed and variable annual compensation to reduce the focus on short - term performance and the potential related risks.

In determining the compensation of our named executive officers other than our Chief Executive Officer, the compensation committee receives input from our Chief Executive Officer and Executive Vice President of Human Resources with respect to appropriate base salary levels and short - term and long - term incentive awards for such officers.

When the world suffers from too low a level of savings to fund needed productive investment, policies that force up savings are positive for long - term growth.

If the Fund were to fail to comply with the income, diversification or distribution requirements, all of its taxable income regardless of whether timely distributed to shareholders would be subject to corporate - level tax and all of its distributions from earnings and profits (including from net long - term capital gains) would be taxable to shareholders as ordinary income.

But consumption patterns are likely to diverge from past cycles, given long - term factors inhibiting wage growth, still elevated debt levels and an older population.

Another reason we would first like to see a minor price retracement from current levels before buying is that the long - term monthly chart interval shows us that $ GLD is actually running into resistance of its downtrend line from its September 2011 high:

Ethereum is testing the support zone around the $ 400 level after today's break - down, and the coin remains the weakest major from a short - term perspective.

I rarely have much of a short - term expectation for the market, but I strongly believe that investors will be able to look out at some point 5 - 10 years from now and see the major indices below current levels.

In both cases, this is typical «control fraud» from the banking sector as it allowed exponential growth in profit in the short term through higher loan volumes (for a given level of bank capital).

In simplest terms, diversity is variety — different ethnicities, races and genders represented within a workforce at every level, from the mailroom to the boardroom.

Each of the three proposals is intended to raise production of aluminum from the present 48 % average capacity to 80 %, a level that would provide the industry with long - term viability.

In reducing base salaries from 2009 levels (but maintaining them at higher than pre-financial crisis levels), the HRC intended to establish a more balanced relationship between fixed and variable annual compensation to reduce the focus on short - term performance and the potential related risks.

We allow that short - term interest rates may be pegged well below historical norms for several more years, and we know that for every year that short - term interest rates are held at zero (rather than a historically normal level of 4 %), one can «justify» equity valuations about 4 % above historical norms — a premium that removes that same 4 % from prospective future stock returns.

Dash is still trading below the short - term support / resistance level near $ 190, in a similar pattern as Litecoin, with the all - time high at $ 220 not far away from the current levels.

However, because those gains occurred from extremely low levels, the so - called «fear index» has frequently remained below its long - term average between 19 and 20.

While a high level of job vacancies continues to indicate strong employment growth in the near term, information on employment intentions from the major business surveys has been weaker recently (Graph 22).

Hold debt levels static, and that rate of economic decline would force Italy's debt to GDP ratio to rise to 122 % from 118 % - clearly the wrong direction if the hope is to ease long - term solvency concerns.