Sentences with phrase «low risk policy»

This makes a 20 to 30 year term policy a low risk policy for most insurance companies, which means big savings for you.

Simply put, this means insurers charge low risk policy holders more than they should, in order to hold rates down for higher risk policies.

Not exact matches

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

Anything lower risked screwing up financial markets, or so policy makers believed at the time.

The cyber insurance policy is the hottest insurance product in the market, but it is untested for wide - range, catastrophic cyber events, and many risk managers and security experts warn the days of low premiums and cover - everything policies are numbered.

Tree — who said the policy change restored a price support for growers by reintroducing a «federal risk premium» — told Business Insider that while consumers in states were marijuana was legal were probably used to a high - quality and tested product, he suspected cracking down on legal marijuana production and sales would incentivize trafficking of lower - quality marijuana to states where the drug is still illegal.

More broadly, global trade has slowed and financial stability risks have increased — with the recent market turmoil partly reflecting lower confidence in the effectiveness of policies.

Most of this deterioration is due to lower revenues (down $ 3.3 billion), new policy initiatives amounting to just over $ 1 billion and an increase in the «risk adjustment factor» resulting in a loss of revenues of $ 1 billion.

Although we knew that lowering the policy rate could worsen vulnerabilities related to household debt, we also knew that it would counter the risk that growth would crater and lessen the probability that the oil price shock would trigger financial stability risks.

The experiences of these economies [Europe, Japan; JB] highlight the risk of becoming trapped in a low - growth, low - inflation, low - inflation - expectations environment and suggest that policy should be oriented toward minimizing the risk of the U.S. economy slipping into such a situation.

The $ 330 - billion spending plan says while several economic indicators such as employment numbers and tax revenues are up, and this year's deficit will likely be lower than expected — there are risks ahead: oil prices are expected to remain low; Canadian exports may remain flat; and «possible U.S. policy actions affecting trade could restrain exports to the U.S. even further,» the budget says.

If I am wrong in either exaggerating the risks of recession or understating the efficacy of policy, the costs of taking out insurance against a recession that can not be met with monetary policy are relatively low.

OTTAWA — The Bank of Canada is warning that its own low interest policies and those of central banks around the world are adding another layer of risk to the

However, policy makers don't want us to worry too much: they grade the risk of a «severe» downturn as «low.»

Indeed, a combination of lower interest rates and more stringent macroprudential policy would likely work to reduce both financial stability risks and the risk of an undershoot of inflation at the same time.

A recent fear for high yield investors has been the prospect of normalising interest rate policy in developed markets — historically low interest rates have made the high yield market more sensitive to interest rate moves and effectively managing this risk will be important.

«While monetary policy will remain extremely easy, low rates by themselves do not guarantee that risk assets will perform well, especially since profit margins are extremely high (i.e. the risk is to the downside).

It's simply an insurance policy issued by a private company that lowers risk for the lender.

It is not that monetary policy is entirely powerless, but its marginal effect may be smaller, and the associated risks greater, the lower interest rates go from already very low levels.

Speaking of Dodd - Frank, its restrictions on risk - taking greatly reinforce the effects of the Fed's low interest rate policies.

However, further regional policy divergence, slow emerging markets growth and global liquidity risks are likely to keep market volatility higher, meaning effectively navigating a low - return world will remain a challenge.

An Indexed Universal Life (IUL) insurance policy functions similarly to a standard universal life policy, except that it accumulates value through investments in a stock market index rather than the typical low - risk investments that most dividend - paying policies use to grow.

Voting against the policy action was Thomas M. Hoenig, who believed that continuing to express the expectation of exceptionally low levels of the federal funds rate for an extended period was no longer warranted because it could lead to a build - up of future imbalances and increase risks to longer run macroeconomic and financial stability, while limiting the Committee's flexibility to begin raising rates modestly.

When investor preferences are risk - seeking, overly loose monetary policy can have a disastrous effect by promoting reckless speculation and enhancing the ability of low - quality borrowers to issue debt to yield - starved investors.

Fed Governor Powell elaborated on Fed's risk management considerations under the context of monetary policy's asymmetric efficacy near the zero lower bound:

The USD is banging on big resistance levels ahead of today's FOMC, which includes only the release of a policy statement and fairly low expectations, ironically meaning that surprise risk may be underappreciated.

Additionally, most FOMC participants also saw relatively low risks of unwanted increase in inflationary pressures amid tighter labor market conditions, and there are signs that the risk management argument (asymmetrical risk with policy rate near effective lower bound) is gaining traction as well.

Several participants emphasized that continuing reinvestments for some time after the initial policy firming could help manage potential risks, particularly by reducing the probability that the federal funds rate might return to the effective lower bound.

These two factors have conflicting implications for monetary policy, since lower interest rates would help to offset the first of these risks but would amplify the second.

We have turned more positive on most fixed income due to elevated geopolitical risks and easy monetary policy in a low - growth world.

A more balanced policy mix might also avoid some of the costs of very low interest rates, such as potential risks to financial stability, without sacrificing jobs and growth.

The biggest risk is that inflation will be lower than this — a risk that would be exacerbated by tightening policy.

The USD is banging on big resistance levels ahead of an FOMC that includes only the release of a policy statement and fairly low expectations, ironically meaning that surprise risk may be underappreciated, especially given conflicting extremes in speculative US dollar short and US interest rate shorts.

Central bankers worry about inflation falling too low because it raises the risk of deflation, or generally falling prices, a phenomenon that is difficult to combat through monetary policy.

«It seems reasonable to assume that another year of extreme moves in US dollar (higher) and oil / commodity prices (lower) would likely continue to drive this negative feedback loop and make it very difficult for policy makers in emerging markets and developing markets to fight disinflationary forces and intercept downside risks,» the analysts add.

In essence, having a low willingness to take risk, and / or limited capacity to afford risk, should be viewed not just as a component of the risk score, but a constraint to the proper portfolio the investor agrees to in an Investment Policy Statement.

«Low - intensity conflicts,» «risk - taking,» «management of power,» «instrument of policy»: such language suggests an encounter group dealing with personal problems or a union - management negotiation.

The EXPLICIT policy of MANA is that each homebirth midwife can «decide for herself» what constitutes low or high risk.

Nestlé draws a distinction between what it has defined as «high risk» and «low risk» countries in its marketing policies.

Our results support a policy of offering healthy nulliparous and multiparous women with low risk pregnancies a choice of birth setting.

There are places where electronic fetal monitoring for low risk patients isn't hospital policy.

If midwives were getting good outcomes with a low risk population, their policies would be fairly inexpensive.

Here official policy seems to be changing, and low risk mothers are being encouraged to attempt home births.

Our economic evaluation broadly supports a policy of choice of planned place of birth for low risk women.

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 lacking.

Eight existing home visiting programs met the minimal legislative threshold for federal funding: Early Head Start, the Early Intervention Program, Family Check - up, Healthy Families America, Healthy Steps, Home Instruction Program for Preschool Youngsters, Nurse - Family Partnership, and Parents as Teachers.40 In August 2011, the Coalition for Evidence - Based Policy built upon the government's review by evaluating the extent to which programs implemented with fidelity would produce important improvements in the lives of at - risk children and parents.41 Through this review, one program was given a strong rating (the Nurse - Family Partnership), two were given medium ratings (Early Intervention Program and Family Check - up), and all other programs were given a low rating.

It will depend on her doctor and the hospital's overall policy for low - risk labors.

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.

Far from helping families children's groups said the policy will lead to parents taking low paid jobs and «cycling» from work to benefits, putting families in greater risk of falling into debt.

Evidence shows that the most effective policies to reduce alcohol harms, including harms to others, are: - Raising the price of the cheapest alcohol, through taxation and minimum unit pricing - Regulating the density of outlets that can serve alcohol and restricting the permitted hours of sale - drink driving laws, including a lower legal blood alcohol limit and random roadside breath tests - Screening and brief advice for people who are at risk of drinking to a level that is harmful to themselves and others However, the most effective approach is a comprehensive, multi-sectorial set of measures that work together to reduce levels of harmful drinking.