Sentences with phrase «longer than term policies»

BOTTOM LINE: If you need less life insurance than you're currently paying for, or have suffered health issues and will need coverage longer than your term policy will provide, call your agent or insurance carrier and ask them to explain your options and your GUL option date.

Not exact matches

The BOJ currently makes the distinction because buying long - term government bonds for monetary easing could bind its hands on policy for longer than it wants and make a future exit from ultra-loose easing difficult.

The stakes are high for this assessment, not only because it will be a primary determinant of the timing of Federal Reserve policy tightening; the more one believes that current high long - term unemployment is cyclically (demand) driven rather than structurally (mismatch and demographic) driven, the more one believes workers can be brought back into employment through monetary (or other) stimulus.»

An incentive compensation award paid in stock, restricted share rights, or restricted stock pursuant to this Policy shall be governed by the provisions (other than provisions with respect to the computation of such award) of the Company's Long - Term Incentive Compensation Plan.

If it were to be decided that monetary policy should be more responsive to asset price events, such an approach would have to be motivated by a broader and rather more long - term notion of financial and monetary stability than is in common use today.

He called monetary policy «the last line of defence» when it comes to trying to influence mortgage markets — essentially discouraging buyers from borrowing more than they can afford to pay back over the long term.

TORONTO — Sarah Petrevan, senior policy advisor for Clean Energy Canada, made the following statement in response to the release of Ontario's 2017 Long - Term Energy Plan: «Ontario's long - term energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy sysLong - Term Energy Plan: «Ontario's long - term energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy sysTerm Energy Plan: «Ontario's long - term energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy syslong - term energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy systerm energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy system.

Fidelis, a nonprofit health plan with more than 1.6 million members, currently offers plans on the ACA marketplaces as well as Medicaid, Medicare Advantage, Dual Advantage, Child Health Plus, Essential Plan and managed long - term care policies.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

The answer is that Fed policy is the primary factor driving the returns of short - term bonds, meaning that they tend to hold up much better than long - term debt when the Fed is expected to keep rates low as was the case in 2013.

For example, retirees or vacationers with summer homes, cabins or short - term rental units in parts of B.C.'s Okanagan Valley or Vancouver Island are still implicitly portrayed by these policies as speculators, despite intentions of long - term ownership (rather than speculative activity such as pre-construction flipping) and despite their contribution to B.C.'s economy in many ways.

Policy rate changes affects short - term bond yields much more directly than longer - term yields (see Exhibit 1).

From the perspective of secular stagnation theory, much of what people worry about in monetary policy is endogenous rather than exogenous — such as zero rates, conditions that give rise to negative long - term rates, decisions to expand balance sheets.

But he is too much inclined, I think, to attribute the emergenceof a «credit deadlock» to past mistakes in banking policy - to the Central Bank not having lowered the rate sufficiently soon, or sufficiently suddenly - rather than to the inherent causes connected with the long - term rate.»

Though the US yield curve remained some way from inversion — which historically is often cited as signaling an impending recession — investors were relatively sanguine about the significance of its flattening, with many arguing that low long - term yields were more reflective of central - bank policies and the weak inflationary environment than dimmer economic prospects.

That policy, Beard concluded, could have no long «term effect other than perpetual conflict abroad and militarism at home.

Social welfare policies which encourage marriage and family cohesion such as increasing the «marriageability» of men, through wage supports and the EITC, will be of more long term benefit than creating new programs and new services.

Rather than the common policy of discharging such patients to nursing homes when family members insist on continued treatment or the insurance money runs out, Catholic institutions could develop sorely needed long «term rehabilitation facilities that could build on the encouraging work being done with such patients in England and Israel.

So assuming that this will be his last season in charge of the Gunners, will Wenger change his transfer policy, which is often ruled by a long term outlook rather than the sort of quick fix that the likes of Jose Mourinho usually goes for?

So any retailer who wants to continue to be able to stock and sell a product must abide by the MSRP policy, and any retailer who sells below MSRP (except for sales, which usually can not be more than a set % off, not longer than a set time period, and have to be approved by the manufacturer) is breaking the terms that they promised to abide by.

Some dental malocclusions have been found more commonly among pacifier users than nonusers, but the differences generally disappeared after pacifier cessation.284 In its policy statement on oral habits, the American Academy of Pediatric Dentistry states that nonnutritive sucking behaviors (ie, fingers or pacifiers) are considered normal for infants and young children and that, in general, sucking habits in children to the age of 3 years are unlikely to cause any long - term problems.285 There is an approximate 1.2 - to 2-fold increased risk of otitis media associated with pacifier use, particularly between 2 and 3 years of age.286, 287 The incidence of otitis media is generally lower in the first year of life, especially the first 6 months, when the risk of SIDS is the highest.288, — , 293 However, pacifier use, once established, may persist beyond 6 months, thus increasing the risk of otitis media.

Most people would also argue that on average, in the long run, working democratic institutions yield better results in terms of general well - being than policies devised by a populist leader and his family and cronies.

But the rise in oil and commodity prices pushed up inflation in the UK more than in other countries, demonstrating the downsides of a policy of deliberate devaluation to which much of the British economic policy establishment remains committed as an article of faith, despite little evidence that it has done much long term good.

However, the Civil Aviation Authority warned the Government that without a credible, long - term Aviation Policy Framework which focuses on consumers, rather than airlines or airports, and allows capacity to develop sustainably, «it is likely that prices will rise, route choice will drop and the UK economy will suffer».

Or is there something about the way that modern state spending is set up (for example through long - term contracts with private suppliers, or through its changing composition across policy domains) that makes it harder than it might have been in the past to put the brakes on quickly?

In June 2010, 32 % more agreed than disagreed that «in the long - term, this government's policies will improve the state of Britain's economy».

In specific policy terms, it is true that Corbynites are on the fringe rather than the mainstream; but in terms of mood and personality, they represent a longing for an alternative that has an appeal far beyond the Left of the Labour Party.

«If any discouragement exists, it is related more to long - term benefits than to the amount received, a situation we can correct by applying the adequate measures in the area of active employment policies,» he clarifies.

More than just an insurance policy against late frosts or unexpected dry spells, it turns out that seed dormancy has long - term advantages too: Plants whose seeds put off sprouting until conditions are more certain give rise to more species, finds in a team of researchers working at the National Evolutionary Synthesis Center in North Carolina.

The Bluegrass State has an experienced corps of teachers who have higher education levels than the national average, according to the March 8 report by the Kentucky Long - Term Policy Research Center, a state - financed group.

To give you a taste of what is coming in Part 2, the arguments can be summarized as: 1) Education does not lend itself to a single «best» approach, so the Gates effort to use science to discover best practices is unable to yield much productive fruit; 2) As a result, the Gates folks have mostly been falsely invoking science to advance practices and policies they prefer for which they have no scientific support; 3) Attempting to impose particular practices on the nation's education system is generating more political resistance than even the Gates Foundation can overcome, despite their focus on political influence and their devotion of significant resources to that effort; 4) The scale of the political effort required by the Gates strategy of imposing «best» practices is forcing Gates to expand its staffing to levels where it is being paralyzed by its own administrative bloat; and 5) The false invocation of science as a political tool to advance policies and practices not actually supported by scientific evidence is producing intellectual corruption among the staff and researchers associated with Gates, which will undermine their long - term credibility and influence.

This international conference of education ministers and experts was told that schools policy needed more emphasis on long - term evidence rather than short - term, politically driven changes of direction.

Research departments within school systems, however, are tasked with responding to local and state compliance mandates rather than addressing critical longer term policy...

In North Carolina, Filardo suggested a policy wherein state officials step in to offer capital assistance if a district spends more than a certain percentage of its infrastructure dollars on short - term maintenance, rather than speeding long - term, fiscally responsible investments.

- Examine vehicle to determine if additional safety or service work is required - Advise Manager if additional work is needed - Document all work performed as soon as job is completed - Attend factory sponsored training classes and keep abreast of factory technical bulletins - Understand and follow federal, state and local regulations such as disposal of hazardous wastes - Ensure that vehicles are kept clean - Perform all other duties as assigned - Follow all company safety policies and procedures & immediately report any and all accidents to Manager or Supervisor REQUIREMENTS: - High School Diploma or equivalent - ASE Certification preferred - Automotive Technician - Minimum 2 years previous experience - Excellent driving record - Self - motivated with ability to perform quality work with efficiency - All applicants must be authorized to work in the USA - All applicants must have the ability to pass pre-employment testing to include background checks, MVR, drug test, and valid driver's license - All applicants must perform duties and responsibilities in a safe manner - Ability to read & comprehend instructions and information - Personal & Professional Integrity - Desire for long - term employment If you're looking to work in a progressive environment with a rapidly growing organization, than we have a position available for you.

Voting against the action were Richard W. Fisher, who believed that, while the Committee should be patient in beginning to normalize monetary policy, improvement in the U.S. economic performance since October has moved forward, further than the majority of the Committee envisions, the date when it will likely be appropriate to increase the federal funds rate; Narayana Kocherlakota, who believed that the Committee's decision, in the context of ongoing low inflation and falling market - based measures of longer - term inflation expectations, created undue downside risk to the credibility of the 2 percent inflation target; and Charles I. Plosser, who believed that the statement should not stress the importance of the passage of time as a key element of its forward guidance and, given the improvement in economic conditions, should not emphasize the consistency of the current forward guidance with previous statements.

Even then, don't sign up for an insurance policy until you have crunched the numbers and figured out that its benefits are likely to offer you a better after - tax return on the premiums you pay than you would earn for CD rates or long - term investments.

This means that if you know that you want coverage for a longer period of time, you'll pay a higher average premium with Colonial Penn than if you purchased a longer term policy elsewhere (such as a 10 - year or 20 - year term) since your risk profile increases with age.

Policy rate changes affects short - term bond yields much more directly than longer - term yields (see Exhibit 1).

Using traditional long - term care insurance planning typically provides coverage at a lower cost than hybrid policies.

This rider is very similar to a long - term disability insurance policy, but it can be conveniently added to your policy rather than you having to purchase it separately.

When this reaches an extreme, short - term interest rates are higher than longer - term rates, indicating market concern that the tightening of policy might end up pushing the economy into recession.

This actuarial fact is why longer duration term policies are more expensive than shorter duration policies.

Genworth Financial Inc., with about a 33 % market share of long - term - care policies sold to individuals, said in May that it is seeking premium increases averaging more than 50 % to stave off more losses in its oldest policies.

In some instances, this approach might make more sense than paying premiums on a long - term care policy.»

«I often come across people who may prefer the long - term security of a permanent life policy, but they need a bigger death benefit than they can afford,» he said, noting that term life coverage, which offers a bigger benefit for smaller premiums, is generally the better bet in that case.

Treasury Board President Tony Clement, who has sparked a war with public sector unions in his quest to cut costs, has outlined proposed changes to sick leave policy, which would include five to seven sick days a year, a short - term disability leave of a week to six months and long - term leave for more than six months.

It's only one piece of the puzzle, however — a long - term disability insurance policy will do more to protect your income than a simple rider.

These stand alone policies offer more flexibility than hybrid long - term care insurance.

A properly constructed Investment Policy Statement provides support for the investment manager to follow a well - conceived, long - term investment discipline, rather than one that is based on ad hoc revisions spawned by overconfidence or panic in reaction to short - term market fluctuations.