The plan also offers loan after just one year
of policy term for any liquidity needs.
It is 15 % / 25 % / 40 % / 60 % / 90 % attached at the end
of the policy term for premium paying term of 5 years / 7 years / 12 years / 15 years / 20 years, respectively.
In case everything goes as planned, the Fund value is available at the end
of the Policy Term for taking care of the child's future requirements.
The payout period is defined as the period starting from one year after the end
of the policy term for a period equal to the policy term.
In case any insured member suffers from an Accidental Total and Permanent Disability *, the the Sum Assured as per the certificate of insurance shall be payable and the contract will continue on 2nd life till ATPD of 2nd life or expiry
of policy term for that member whichever is earlier.
In case of death of the any insured member the Sum Assured as per certificate of insurance shall be payable and contract will continue on 2nd life till death of 2nd life or expiry
of policy term for that member whichever is earlier.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability
of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential
for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost
of accommodating, announced increases in the build rates
of certain aircraft; 6) the effect on aircraft demand and build rates
of changing customer preferences
for business aircraft, including the effect
of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result
of global economic uncertainty or otherwise; 8) the effect
of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution
of key milestones such as the receipt
of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals
for the consummation
of our announced acquisition
of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability
of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk
of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production
of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts
of terrorism; 14) any adverse impact on the demand
for air travel or our operations from the outbreak
of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact
of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price
for our announced acquisition
of Asco on favorable
terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect
of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect
of changes in tax law, such as the effect
of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations
of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect
of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability
of raw materials and purchased components; 23) our ability to recruit and retain a critical mass
of highly - skilled employees and our relationships with the unions representing many
of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate
for our additional capital needs or
for payment
of interest on, and principal
of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness
of any interest rate hedging programs; 28) the effectiveness
of our internal control over financial reporting; 29) the outcome or impact
of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition
of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions
for ourselves and Asco as a result
of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks
of doing business internationally, including fluctuations in foreign current exchange rates, impositions
of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government
policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.
Working with your financial quarterback, develop your new investment business plan (known as an investment
policy statement)
for the immediate deployment
of the transaction's proceeds and
for long -
term management
of investment capital.
Grantham believes it's likely the majority
of pension plans will run a long -
term deficit, and this will have major
policy implications
for government.
A former member
of the Bank
of England (BOE) told CNBC it's «unwise»
for the central bank to stick to a long -
term policy strategy in case it gets wrong - footed by new economic data.
One
of the reasons the IMF has changed its tune on fiscal
policy is because research it has done in the past year shows that borrowing to pay
for infrastructure pays
for itself over the longer
term by generating faster economic growth.
«We remain firmly convinced that an extraordinary amount
of monetary
policy support, including through our forward guidance, is still necessary
for the present level
of underutilized resources to be re-absorbed and
for inflation to return to and durably stabilize around levels close to 2 percent within a meaningful medium -
term horizon,» Draghi said.
The company did not disclose the
terms of its previous parental leave
policy, nor did it immediately respond to a request
for comment.
Despite the upgrade in near -
term growth expectations,
policy makers left the number
of hikes projected
for 2018 effectively unchanged.
In
terms of economic
policy, our empathy
for the owners
of smaller businesses can cause us to assume that what is good
for them must automatically be good
for the economy.
'' (It) underlines the challenges
for the CBRT (central bank) in managing the lira when Erdogan has tied both hands behind its back in
terms of limiting its ability to hike
policy rates,» Bluebay Asset Management strategist Timothy Ash said.
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.»
Subdued inflation forced the BOJ to revamp its
policy framework in 2016 to one better suited
for a long -
term battle against deflation, which targets interest rates instead
of the pace
of money printing.
The
terms of your contract or the company's conflict -
of - interest
policies may limit your options, or if you can have one at all, said Alison Green, blogger
for Ask a Manager.
Long -
term - care
policies are essentially another kind
of longevity insurance — and a vexed one
for many families.
While not -
for - profit directors are generally supportive
of the federal national disability insurance scheme, there is concern that the
policy does not consider the long -
term impact
of the intended changes.
It also included assurance that such disrespect
for customers was not consistent with the company's customer service
policy, and that the offending employee had been advised
of this fact in no uncertain
terms.
While the Fed has indicated it plans to raise short -
term interest rates, the uncertain domestic and global economies and the still - loosening monetary
policy of central bankers in other countries suggests that rates could remain very low
for a long time still.
Trump supporters say Clinton deserves to be prosecuted
for her handling
of U.S. foreign
policy as President Barack Obama's first -
term secretary
of state and
for her use
of a private email server while in that office.
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.
«Child migration will affect certain states and localities differently, based on where costs such as education are incurred but also based on gains in
terms of spending
for things like shelter and transportation,» said Michelle Mittelstadt
of the Migration
Policy Institute.
In
terms of assigning blame
for the current U.S. economic malaise, 8 %
of the respondents finger Obama's perceived «high spending, high regulation
policies,» while others looked beyond the current administration.
Absent these bigger - picture
policy changes
for now, however, business owners like Fisher
of TripShock expect the economy to motor on, at least in the short
term.
Much
of the effectiveness
of Canadian monetary
policy depends on the Bank
of Canada's credibility: managing expectations
for the future is at least as important as setting short -
term interest rates.
The company's earnings guidance
for FY18 does not include any potential impact from the previously announced pending sale
of KMG America Corporation (KMG), whose subsidiary, Kanawha Insurance Company (KIC), includes Humana's closed block
of non ‐ strategic long ‐
term care insurance
policies, to Continental General Insurance Company (CGIC), a Texas ‐ based insurance company wholly ‐ owned by HC2 Holdings, Inc., a diversified holding company (NYSE: HCHC).
But if you owned a partnership
policy with a maximum benefit
of $ 500,000,
for example, you will be allowed to keep $ 500,000
of your assets after your long -
term - care insurance runs out and still be eligible
for Medicaid.
For Genworth, 2014 was a year
of reckoning, as it wrote down the value
of many long -
term care
policies whose costs its underwriting fees can't cover.
The Trump Administration is staring down a half - dozen deadlines on trade
policy that will create a moment
of truth
for the White House, which has so far opted
for long -
term investigations and renegotiations over immediate challenges to the status quo.
Exxon has argued against all the other shareholder proposals as well, including a «
policy to explicitly prohibit discrimination based on sexual orientation and gender identity»; a
policy articulating Exxon's «respect
for and commitment to the human right to water»; «a report discussing possible long
term risks to the company's finances and operations posed by the environmental, social and economic challenges associated with the oil sands»; a report
of «known and potential environmental impacts» and «
policy options» to address the impacts
of the company's «fracturing operations»; a report
of recommendations on how Exxon can become an «environmentally sustainable energy company»; and adoption
of «quantitative goals...
for reducing total greenhouse gas emissions.»
«Their driver monitor system isn't as good as some other systems in
terms of assuring that someone is paying attention,» said David Friedman, Director
of Cars and Product
Policy and Analysis
for Consumers Union, the advocacy division
of Consumer Reports.
Such
policies might include providing more incentives
for companies (both large and small) to invest in R&D and capital infrastructure, encouraging post-secondary institutions to better tailor their programming to meet market demand in
terms of subjects and skills, and making Canada a more attractive country
for foreign or start - up companies to invest in by deregulating industries that have no business being as regulated or as protected as they are, such as telecommunications, airlines, and broadcasting.
This means he is prepared to be more forgiving in
terms of past credit problems, will accept income volatility among the self - employed, and will ease onerous requirements to produce bank records from other countries when it comes to writing mortgage insurance
policies for immigrants.
Stephen Tapp, a former Bank
of Canada economist who now is research director at the Institute
for Research on Public
Policy, reckons the reversal will cost 0.2 percentage points
of gross domestic product annually over the longer
term.
Even
for companies that haven't seen an impact on their business to date, the fear
of unknown, and potentially drastic,
policy changes makes it difficult to make even short -
term plans.
Neither the TSX Venture Exchange nor its Regulation Services Provider (as that
term is defined in the
policies of the TSX Venture Exchange) accepts responsibility
for the adequacy or accuracy
of this release.
Current BOJ Governor Masaaki Shirakawa's
term ends in April and markets are positioned
for further yen weakness as most expect him to be replaced by someone whose stance on aggressive
policy easing matches that
of Prime Minister Shinzo Abe.
Unless you are an attorney or a privacy advocate, you probably do what most people do and quickly scroll through
terms of service agreements and privacy
policies ignoring the fine print to get registered
for a new account.
This paper investigates the significance
of the mix
of monetary and fiscal
policies for financial stability through counterfactual simulations
of three key historical episodes, using the Bank's main
policy model, ToTEM (
Terms -
of - Trade Economic Model).
2 % will be used
for the legal expenses including
terms of service and a privacy
policy.
There are many choices
for insurance shoppers in
terms of policy length.
Some
term policies guarantee their rates only
for the first year
of the
policy, while some rates last
for decades.
Some assets, however, may no longer serve a public
policy purpose and are
of particular interest to,
for example, Ontario's large pension plans as good long -
term investments.
The IMF cites a number
of risks to their optimistic outlook
for the next two years, risks that are more concerning
for the medium
term (2020 and beyond), including geopolitical strains, a sudden and severe tightening
of monetary
policies, waning popular support
for global economic integration, and a move toward protectionist trade
policies that would impact global trade.
Since things like college costs and mortgage payments usually end at some set point, a
term policy is very useful
for this kind
of planning.
Uncertainty about the U.S. presidential race in the near
term may produce periods
of volatility
for the U.S. dollar, yet RBC maintains that the U.S. currency will post modest gains against the Euro, Canadian dollar and sterling as markets look
for a U.S. Federal Reserve
policy rate increase in the first half
of 2017.