Sentences with phrase «less a term policy»

Not exact matches

The reasons are four-fold: structural changes in the American economy have triggered a long term downward trend in entrepreneurial activity; changes in the banking system have made small business credit more difficult to get; a post-recession shift in attitudes has made Americans less interested in striking out on their own; and a shift in government policies has made entrepreneurship more challenging to undertake.

The United States may soon move to less accommodative monetary policies and higher long - term interest rates as its recovery gains ground.

Subsequently, in 1995, inflation did indeed rise to slightly above 3 per cent in underlying terms, but by less than would have been the case had the tightening in monetary policy not taken place.

While this makes term life insurance significantly less expensive than permanent life insurance, it also means that you will not receive any benefit if you outlive the policy.

Policy makers who seek quick fixes and could care less about long - term consequences undoubtedly encourage investors to embrace the same value system.

No medical exam life insurance policies are available for both term and whole life insurance, but the death benefits for whole life coverage are typically limited to less than $ 50,000 (while term coverage is usually limited to $ 500,000).

Perceived «safe» assets are looking less safe due to a variety of near - term risks including elevated valuations and political and central bank policy uncertainties.

They may be able to raise short - term rates less than they otherwise would because now they have this second dial to tighten monetary policy.

Former Fed chairman Ben Bernanke, in a speech to the American Economic Association in January, said that «excessively tight near - term fiscal policies have likely been counterproductive» by weakening the recovery, especially when monetary policy has less room to maneuver.

Because banks held few excess reserves, it took only modest adjustments to the size of the Fed's balance sheet, achieved by means of open - market purchases or sales of short - term Treasury securities, to make credit more or less scarce, and thereby achieve the Fed's immediate policy objectives.

Policy - makers in many of the advanced countries, already facing a short - term relationship between growth and inflation that has turned much less favourable, could face some very difficult choices in framing their responses to the circumstances they face individually.

But if people are less responsive to that because they are still highly leveraged, monetary policy is less powerful in the short term.

Although short - term interest rates did rise this year as a slightly less timid Federal Reserve (Fed) nudged the policy rate higher, for the long end of the curve it was more of the same.

Monetary policy has less room to maneuver when interest rates are close to zero, while expansionary fiscal policy is likely both more effective and less costly in terms of increased debt burden when interest rates are pinned at low levels.

Banner Life's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or less.

Even in a world where short - term interest rates will continue to rise as the Federal Reserve raises policy interest rates (most likely 2 — 3 times next year) and where long - term rates should rise slowly as the Fed lets its balance sheet shrink, tax - free yields should either stay the same or move down as the municipal bond world confronts a market with much less issuance.

I for one agree more with conservative fiscal policies because I believe in the long run they will bring about less poverty, while liberal fiscal policies only provide very short term help and ultimately cause more poverty in the long run (maybe I'm wrong, maybe I'm right).

The document then avoids any further reference to «ridding the world of evil» and proceeds generally in somewhat less emotive and more pragmatic (but nevertheless grandiose) terms to discuss and project foreign - policy objectives.

Peace movements, of the 20th century generally have been unable to achieve their immediate objectives, and have had even less impact on long - term public policy.

Disney, now owners of Star Wars producer Lucasfilm, has recently adopted a «legacy pay scale» policy; in layman's terms, veteran actors were paid ludicrously higher wages than their less experienced counterparts, regardless of screen time.

The reforms were implicitly viewed solely as an aspect of executive policy - making and, therefore, in consequential terms as no more or no less independent from government control than any other aspect of policy.

A longstanding conservative policy goal has been to replace the current Social Security elderly pension system with personal accounts (or, the less poll - friendly term, «privatizing Social Security»).

The belligerent and headline - grabbing rhetoric of the commander - in - chief and his propensity to choose short - term, tactical wins over the incremental execution of the long - term priorities often overshadow the more or less solid intellectual foundations of Trump's foreign policy.

If we proceed on those terms... David can listen rather more to Conservative MPs, who represent the real people of this country, and give rather less regard to the Liberal Democrat intellectual urban elite, with their student politics idea of reforming the constitution and taking forward green policies.

Less on sloganeering, more about having a passionate conversation with the electorate and in terms of policy.

In crude policy terms, when economic growth is robust, it's easier to find resources to redistribute to the less well - off.

Perhaps space tourism and brief joyrides will be the lesser part of the industry; in the longer term, commercial spacecraft may help us discover minerals or other resources with now - unimaginable properties, or to found colonies that will serve, in the vision of Stephen Hawking, as the ultimate insurance policy for our species.

The authors noted that original SAI guidelines gave community colleges incentive to expand short - term certificate programs, which are designed to be completed in less than one year, even though it was not one of the primary goals of the state's policy.

Those favoring a permanent credit, a long list that includes Obama as well as business and academic leaders, say such policy lurches create uncertainty for companies doing long - term planning, making them less likely to invest in risky projects if they think they can't defray expenses.

Such near - term benefits provide the basis for a no - regrets GHG - reduction policy, in which substantial advantages accrue even if the impact of human - induced climate change turns out to be less than current projections show.

This — together with the separate policies and terms expressly referred to herein — constitutes the entire agreement between the parties and there shall be no variation unless agreed between you and us in writing or notified to you by us upon reasonable notice in writing of not less than 30 days.

There's no dancing around it: analysis of the first round of state ESSA plans leaves much cause for concern for EL advocates, both in terms of the general patterns outlined above and other, less common policy experiments.

Annual renewable term life insurance policies are less common than level term policies.

You should, however, consider if you might be better served by purchasing a term life insurance policy; this option may be less costly, since whole life insurance is comparatively expensive.

No medical exam life insurance policies are available for both term and whole life insurance, but the death benefits for whole life coverage are typically limited to less than $ 50,000 (while term coverage is usually limited to $ 500,000).

Given the median tenure for employees at a particular job is less than 5 years, it's likely you'll move to a new company within the term of coverage, and you'll have to get a new policy which is likely to have higher premiums since your age has increased.

While group term life insurance comes at a discount, the policies tend to be less customizable and often are not transferrable, meaning that if you change employers the coverage ceases.

Other policy terms are difficult to find and for a homeowners insurance policy there's not much reason to issue them for less than a year.

A healthy 30 year old can get a $ 250,000 10 year term life policy for less than $ 10 in monthly premiums.

2To be eligible for the CoverMe Term Life Living Benefit, you must be less than 83 years of age and your policy must be in effect for at least two years.

If you are older, in your 40s or above, and in less - than - stellar health, the price difference can be double or even triple the cost of a normal term policy.

Perceived «safe» assets are looking less safe due to a variety of near - term risks including elevated valuations and political and central bank policy uncertainties.

However, a term life policy that requires a medical exam will typically cost less than one that does not.

This is a solid insurance company that has been around since the beginning of the 20th century and they don't require medical exams on their term insurance policies that are $ 500,000 and less.

Decreasing term policies pay out less as the the outstanding balance of a mortgage loan is paid off.

A child rider is generally available for term policies and offers a limited amount of coverage (generally less than $ 50,000) in the case your child does pass, and is available for children under a specified age (generally 20 or 25).

And if you should die prematurely, the payment amount your beneficiaries will receive could have been purchased with a term policy that would cost you much less during your lifetime.

If so, a 20 year term policy can be a less expensive compromise.

This return of premium term life insurance policy offers much less protection than the standard term insurance plan.

A term policy is going to be far and away less expensive for the amount of insurance you get as compared to other policies.