Sentences with phrase «in early policy years»

However, with this type of life insurance coverage, there is an initial premium discount in the early policy years, as well as only one premium increase in the future.

Depending on the insurance company, ROP term builds guaranteed cash values in the early policy years that will equal the total premiums paid by the end level term period.

Almost all modified reserves are intended to accumulate lower reserves in early policy years than they would under the net level premium method.

They start out high in the early policy years, and then slowly decrease until they disappear — possibly around years 15 or 20, ACLI's Graham says.

Not exact matches

David Dodge, the former Bank of Canada governor, told me earlier this year in an interview about housing policy that he would nationalize the mortgage insurance industry; not because he is a Communist, but because it always will be taxpayers who clean up the messes of bankers, especially when it involves houses.

Salim was named to Forbes» 30 Under 30 list earlier this year and has received recognition from the World Policy Institute for her work in sustainability.

Founded only in 2008 but measured earlier this year as the third-most valuable venture capital - backed group in the world at over $ 25 billion, Airbnb also said it would help prevent its service from causing housing shortages by «ensuring hosts agree to a policy of listing only permanent homes on a short - term basis».

With the core consumer inflation steady in January from a year earlier, it is a sign that a strengthening economy has yet to prompt companies to raise prices, a challenge policy makers have yet to overcome despite years of massive stimulus.

The limits of policy stimulus were all to evident in Japan where core consumer prices fell 0.5 % in August from a year earlier, the largest drop since March 2013.

Turner: On the equity side, you said earlier in the year that the stock market had maybe gotten ahead of itself in terms of betting on the success of various administration policies that might give the economy a boost.

In a report earlier this year for the Institute for Research on Public Policy, Trent University economist Harry Kitchen argues it's time for governments, particularly at the municipal level, to stop offering price breaks for seniors.

It said a surge of strong numbers in late 2017 was followed by softer figures early this year, suggesting «some pulling forward of demand ahead of new mortgage guidelines and other policy measures.»

Earlier this year, a company called Event Shares filed a prospectus for a Republican Policies and a Democratic Policies fund to invest in companies that will benefit from the respective parties» political agendas (neither has launched yet).

Earlier this year, Jones launched a public initiative asking commercial insurance companies to write policies to cover what he described as «coverage gaps» in the industry.

Earlier this year, Netflix announced an unlimited parental leave policy, building upon the unlimited vacation policy that Hastings says has been in effect for the last «10 or 15 years.»

The Soufan Group, a strategic security firm that specializes in intelligence, law enforcement, and policy analysis, wrote earlier this year that while the targets of intelligence agencies and cyber criminal networks «are usually very different,» Russia has «increasingly blurred the lines between cyber-espionage and cyber crime in an unprecedented manner.»

Australia's wage growth should show «gradual» improvement and flow through to monetary policy later this year or in in early 2019, says Gareth Aird of CBA.

«Very significant changes in policies and in the outlook since early this year have resulted in a substantial increase in financing needs.

It involves policies that can be traced at least as far back as the «American System» of the early 19th Century, and it has been implemented in various forms by many different countries around the world during the past 100 or even 200 years.

Business associations have been generally very supportive of the policy changes under Bill C - 49, saying it goes much further than earlier amendments proposed in recent years.

In a survey conducted by Bloomberg earlier this month, 38 of 47 economists said that the Federal Reserve's recent policy shift would cause 30 - year mortgage rates to rise next year.

Still, despite being forced to abandon his signature policy, the episode may prove a minor setback for Carney, coming so early in his five - year term.

After the unexpectedly rapid turnaround in monetary policy by the Bank of Canada — with July's increase in Canadian interest rates coming almost a year earlier than had been widely predicted only a few weeks earlier — the attention of market participants turned to Australia, where interest rates remained at record lows.

The stronger data increased the likelihood China would achieve its 2016 gross domestic product (GDP) growth target of 6.5 % — 7.0 % and underlined the impact of policy measures implemented earlier in the year, aimed at stimulating the Chinese economy.

U.S. opposition to the ICC is of a piece with its vote a year earlier against the treaty to ban antipersonnel land - mines, its refusal to pay UN dues, its economic sanctions on allies that do business in Cuba, and its implicit foreign policy of demanding a «superpower exemption» from international rules.

Earlier in the summer the Irish government launched a policy document called Food Harvest 2020 in which it set out a goal of doubling milk output over the next 10 years.

Earlier in the year, QAI staff attended two major events: the Western Organic Dairy Producers Alliance Conference in Grand Mound, WA (Katherine Withey and Holly Born, QAI reviewers, staffed the booth) and the Canadian «Organics on the Hill» Policy Conference in Ottawa, Canada.

Nothing like one underachiever blowing smoke up the ass of another... we know that Ozil has some incredible technical gifts, but to be considered the best you have to bring more than just assists to the table... for me, a top player has to possess a more well - rounded game, which doesn't mean they need to be a beast on both ends of the pitch, but they must have the ability to take their game to another level when it matters most... although he amassed some record - like stats early on, it set the bar too high, so when people expected him to duplicate those numbers each year the pressure seemed to get the best of our soft - spoken star... obviously that's not an excuse for what has happened in the meantime, but it's important to make note of a few things: (1) his best year was a transition year for many of the traditionally dominant teams in the EPL, so that clearly made the numbers appear better than they actually were and (2) Wenger's system, or lack thereof, didn't do him any favours; by playing him out of position and by not acquiring world - class striker and / or right - side forward that would best fit an Ozil - centered offensive scheme certainly hurt his chances to repeat his earlier peformances, (3) the loss of Cazorla, who took a lot of pressure off Ozil in the midfield and was highly efficient when it came to getting him the ball in space, negatively impacted his effectiveness and (4) he likewise missed a good chunk of games and frankly never looked himself when he eventually returned to the field... overall the Ozil experiment has had mixed reviews and rightfully so, but I do have some empathy for the man because he has always carried himself the same way, whether for Real or the German National team, yet he has only suffered any lengthy down periods with Arsenal... to me that goes directly to this club's inability to surround him with the necessary players to succeed, especially for someone who is a pass first type of player; as such, this simply highlights our club's ineffective and antiquated transfer policies... frankly I'm disappointed in both Ozil and our management team for not stepping up when it counted because they had a chance to do something special, but they didn't have it in them... there is no one that better exemplifies our recent history than Ozil, brief moments of greatness undercut by long periods of disappointing play, only made worse by his mopey posturing like a younger slightly less awkward Wenger... what a terribly waste

Grant Newsome, who is expected to return to the football field this year, shared that he has graduated early and will be enrolling in a graduate program for Public Policy:

Picture this, we don't come out of the gate firing on all cylinders, Wenger speaks of how there wasn't enough time for the first - teamers to build chemistry, several key players aren't even playing because of Wenger's utterly ridiculous policy regarding players who played in the Confed Cup or the under21s and the boo - birds have returned in full flight... if these things were to happen, which is quite possible considering the Groundhog Day mentality of this club, how long do you think it will take for Wenger to recant his earlier statements regarding Europa... I would suggest that it's these sorts of comments from Wenger which are often his undoing... why would any manager worth his weight in salt make such a definitive statement before the season has even started... why would any manager who fashions himself an educated man make such pronouncements before even knowing what his starting 11 will be come Friday, let alone on September 1st... why would any manager who has a tenuous relationship with a great many supporters offer up such a potentially contentious talking point considering how many times his own words have come back to bite him in the ass... I think he does this because he doesn't care what you or I think, in fact he's more than slightly infuriated by the very idea of having to answer to the likes of you and me... that might have been acceptable during his formative years in charge, when the fans were rewarded with an scintillating brand of football and success felt like a forgone conclusion, but this new Wenger led team barely resembles that team of ore... whereas in times past we relished a few words from our seemingly cerebral manager, in recent times those words have been replaced by a myriad of excuses, a plethora of infuriating stories about who he could have signed but didn't and what can only be construed as outright fabrications... it's kind of funny that when we want some answers, like during the whole contract debacle of last season, we can't get an intelligent word out of him, but when we just what him to show his managerial acumen through his actions, we can't seem to get him to shut - up... I beg you to prove me wrong Arsene

I Liked Pires during his Arsenal playing days, which seems like many moons ago and to think that he is still in training with the club, one can only wonder that here's another player that Wenger let go of too early (age policy, only giving 1 year extension to 29 - 30 year olds) More proof that Wenger is tooooo slow in changing his stubborn ways.

In contrast with the free - spending early years of the Roman Abramovich era, Conte has repeatedly clashed with the Chelsea hierarchy this season over a recruitment policy that has seen him denied many of his top transfer targets, while Manchester City and Manchester United have both made bigger investments in their squadIn contrast with the free - spending early years of the Roman Abramovich era, Conte has repeatedly clashed with the Chelsea hierarchy this season over a recruitment policy that has seen him denied many of his top transfer targets, while Manchester City and Manchester United have both made bigger investments in their squadin their squads.

Other Coalition policy is clear on the need to include fathers: right at the beginning, this Coalition committed to «supporting shared parenting from the earliest stages of pregnancy» and followed this with the important policy documents SUPPORTING FAMILIES IN THE FOUNDATION YEARS and THE HEALTHY CHILD PROGRAMME.

She is not the first to question that; earlier this year, I read an intriguing essay by legal scholar Katherine Franke in the anthology, Marriage at the Crossroads Law, Policy, and the Brave New World of Twenty - First - Century Families, comparing the experience of African - American slaves who, once freed after the Civil War, also became free to marry — but «free» is a relative word.

News, policy, research and practice articles of relevance for professionals working within early years services, such as Health Visiting, Sure Starts and Family Centres, with a focus on engaging successfully with fathers in those settings.

The highest rates of breastfeeding are observed among higher - income, college - educated women > 30 years of age living in the Mountain and Pacific regions of the United States.60 Obstacles to the initiation and continuation of breastfeeding include physician apathy and misinformation,61 - 63 insufficient prenatal breastfeeding education, 64 disruptive hospital policies, 65 inappropriate interruption of breastfeeding, 62 early hospital discharge in some populations, 66 lack of timely routine follow - up care and postpartum home health visits, 67 maternal employment68, 69 (especially in the absence of workplace facilities and support for breastfeeding), 70 lack of broad societal support, 71 media portrayal of bottle - feeding as normative, 72 and commercial promotion of infant formula through distribution of hospital discharge packs, coupons for free or discounted formula, and television and general magazine advertising.73, 74

Since the early 1990s, government policy on maternity care in England has moved towards policies designed to give women with straightforward pregnancies a choice of settings for birth.1 2 In this context, freestanding midwifery units, midwifery units located in the same building or on the same site as an obstetric unit (hereafter referred to as alongside midwifery units), and home birth services have increasingly become relevant to the configuration of maternity services under consideration in England.3 The relative benefits and risks of birth in these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin England has moved towards policies designed to give women with straightforward pregnancies a choice of settings for birth.1 2 In this context, freestanding midwifery units, midwifery units located in the same building or on the same site as an obstetric unit (hereafter referred to as alongside midwifery units), and home birth services have increasingly become relevant to the configuration of maternity services under consideration in England.3 The relative benefits and risks of birth in these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinIn this context, freestanding midwifery units, midwifery units located in the same building or on the same site as an obstetric unit (hereafter referred to as alongside midwifery units), and home birth services have increasingly become relevant to the configuration of maternity services under consideration in England.3 The relative benefits and risks of birth in these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin the same building or on the same site as an obstetric unit (hereafter referred to as alongside midwifery units), and home birth services have increasingly become relevant to the configuration of maternity services under consideration in England.3 The relative benefits and risks of birth in these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin England.3 The relative benefits and risks of birth in these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin these alternative settings have been widely debated in recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin recent years.4 5 6 7 8 9 10 Lower rates of obstetric interventions and other positive maternal outcomes have been consistently found in planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin planned births at home and in midwifery units, but clear conclusions regarding perinatal outcome have been lackinin midwifery units, but clear conclusions regarding perinatal outcome have been lacking.

Many countries have implemented national policies that prioritize and value the unique and irretrievable impact that parents have in the early years of their child's development.

I'm proud of our nearly 40 - year track record in turning the science of early development into helpful resources, practical tools and responsive policies for millions of parents, professionals and policymakers.

Supporting Early Educators Competencies - Over the past year, building off the success of the Post-Master's Certificate Program in Early Education Leadership Research, Policy and Leadership, which graduated two cohorts to date, the University of Massachusetts - Boston has created a doctoral degree program in early education, the first of its kind in the sEarly Educators Competencies - Over the past year, building off the success of the Post-Master's Certificate Program in Early Education Leadership Research, Policy and Leadership, which graduated two cohorts to date, the University of Massachusetts - Boston has created a doctoral degree program in early education, the first of its kind in the sEarly Education Leadership Research, Policy and Leadership, which graduated two cohorts to date, the University of Massachusetts - Boston has created a doctoral degree program in early education, the first of its kind in the searly education, the first of its kind in the state.

State lawmakers earlier this year agreed to a package of education policy changes that linked test scores to evaluations as well as in - classroom observation and made it more difficult for teachers to obtain tenure.

It also kept an open mind about experiments in a liberal approach to cannabis in Washington, Colorado and Uruguay, where it says it is «too early to know how they will play out but we will monitor the impacts of these new policies in the years to come».

Throughout the debate, Faso often pointed to Professor Teachout's liberal policy prescriptions and highlighted that she does not know the district or issues that are important to voters, in part, because she only moved here and registered to vote her earlier this year.

Beales had first proposed the idea in an internal memo two years earlier, but Miliband decided to hold it back until 8 April, a month before election day — despite his team's terror that Osborne might outflank Labour by unveiling the same policy in his final budget in April.

The Economy Totemic policies such as the introduction of the minimum wage in the early Blair years have been eclipsed in the minds of voters by mismanagement and light touch regulation in the run up to the financial crash.

People for New York is loosely designed on the concept behind the now - defunct Committee to Save New York, which was funded by deep - pocketed business and real estate interests in support of Gov. Andrew Cuomo's top policy proposals (pension and tax reform, the property tax cap etc.) in the early years of his governship.

Earlier this year, the conference approved a package of education policy changes opposed by the state's teachers unions, but linked to a spike in school aid funding for the new year.

According to some accounts, Nick Brown had tears in his eyes as the chancellor told him to back top - up fees - a policy he had argued passionately against just a year earlier.

According to research that Policy Exchange conducted earlier this year, they have a +15 % lead in the countryside and +17 % in the suburbs of towns.

Though he's had an at - times difficult relationship with the left of the Democratic base, Cuomo on the convention floor sought to play up areas of commonality on policy, touting the push for the $ 15 minimum wage and 12 weeks of paid family leave — both measures that were approved in New York earlier this year (with, by the way, the Republicans in control of the state Senate).