When a claim under major stage CI is accepted, all the future premiums are waived including the rider premium for rest
of the policy term from the date of diagnosis.
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.
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».
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.
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).
Earlier this week rating agency Standard and Poor's changed its U.S. long -
term debt outlook to «stable»
from «negative,» despite the concrete prospect
of more showdowns on fiscal
policy.
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.
Genworth, which was spun off
from General Electric a decade ago, operates in the ever - shrinking business
of selling long -
term care insurance
policy industry.
The death benefit
of a whole life insurance
policy stays the same for the life
of the
policy, unless you purchase additional coverage, and often ranges
from $ 50,000 to several million dollars (similar to level
term).
Now that «we've finally recovered
from the recession,» Williams said, it's time for the private and public sectors to «step up and take the lead in making the investments and enacting
policies needed to improve the longer -
term prospects
of our economy and society.»
Please keep in mind that this independent site's
terms and conditions, privacy and security
policies, or other legal information may be different
from those
of Franklin Templeton's site.
A change in
policy at Aetna, which has long been hailed as one
of the most flexible companies in
terms of allowing employees to work
from home.
All
of these rates rose going into the December FOMC meeting, which makes quite a bit
of sense, given that most market participants expected the FOMC to tighten
policy at that meeting.35 We also gather information about rates on
term unsecured borrowing in our FR 2420 collection, and about
term secured transactions
from the clearing banks, and these data tell a similar story.
In addition, a rise in long -
term interest rates seems inevitable sooner or later, either because
of inflation or because the Federal Reserve backs away
from its easy - money
policies.
Buttarelli cites the number
of messages
from online services announcing the changes to their privacy
policies, saying if the new
terms are not accepted by the EU General Data Protection Regulation implementation date, the services will be unavailable to use, violating the spirit
of the law.
This, aspect
of the C.D. Howe approach, could place Canada even further apart
from its main competitor nations in
terms of business R&D support
policies unless done carefully.
It allowed the implementation
of monetary
policy to move away
from the use
of reserve and liquidity ratios on banks to the use
of market operations to influence short -
term market interest rates and, through that channel, the interest rates that all lenders charged on loans.
When the world suffers
from too low a level
of savings to fund needed productive investment,
policies that force up savings are positive for long -
term growth.
By accessing this Site and any pages on this Site, you agree to be bound by its
Terms of Use and Privacy
Policy, as may be amended
from time to time without notice or liability.
While there are some signs
of recognition such as the Fed's reduction in its estimated neutral rate
from 4.5 percent to 3.0 percent during the last 2 years, the IMF's explicit use
of the
term secular stagnation in its World Economic Outlook, ECB president Mario Draghi's call for global coordination and greater use
of fiscal
policy, and Japan's indicated interest in fiscal - monetary cooperation, policymakers still have not made sufficiently radical adjustments in their world view to reflect this new reality
of a world where generating adequate nominal GDP growth is likely to be the primary macroeconomic
policy challenge for the next decade.
The Bank
of England has pursued a «stop - go»
policy, raising the interest rate to attract enough foreign short -
term loans to keep the exchange rate
from falling.
Additionally, the Tax
Policy Center has argued that many businesses with too little income or are losing money don't benefit
from bonus depreciation, especially in times
of economic recovery, and that it may not have much
of an impact on long -
term investment.
With Hillary Clinton's tax proposals to encourage longer -
term investing, the debate over whether American business is too fixated on the short
term has moved
from the dimly lit offices
of earnest
policy wonks into the klieg lights
of U.S. primary season.
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.
More telling
from a
policy point
of view, however, is the longer -
term pattern.
To begin, it might behoove analysts and
policy makers to do a thought experiment by disassociating the
term «development»
from such concepts as China's «global development finance» or even
from the name
of the China Development Bank itself.
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Policy.
changes in government reimbursement for our services and / or new payment
policies (including, for example, the expiration
of the moratorium limiting the full application
of the 25 Percent Rule that would reduce our Medicare payments for those patients admitted to a long
term acute care hospital
from a referring hospital in excess
of an applicable percentage admissions threshold) may result in a reduction in net operating revenues, an increase in costs, and a reduction in profitability;
For items you have purchased
from a Merchant, please see the applicable Merchant's
policies for any other
terms and conditions that may apply to your purchase
of such items.
Sabet, who worked in the White House's Office
of National Drug Control
Policy during President Obama's first
term and serves as director
of the Drug
Policy Institute at the University
of Florida, said the negative consequences
of marijuana legalization include advertising aimed at kids, an increase in drugged - driving incidents and a spillover
of marijuana
from Colorado into surrounding states, where the drug remains illegal.
Add - in the market «comfort»
of knowing that both the BoJ (Iwata reiterating that they can accelerate / expand purchases overnight) and the ECB (extension expectations tomorrow) will continue providing a QE - monetary
policy «backstop» to keep the grind higher in rates
from getting «disorderly» in the medium -
term.
By accessing this editorial and website and any pages thereof, you determine to be firm by the
Terms of Use and Privacy
Policy, as might be nice
from time to time.
A
term policy provides coverage for a specified period
of time, generally ranging
from 5 - 30 years.
I could admittedly do better, and would certainly have captured more upside
from temporary speculation, had I committed myself to the principle that central banks will act strictly to defend the bondholders
of the banks they represent, even if it means trespassing into fiscal
policy, subordinating public interest, empowering the worst stewards
of capital, violating legal restrictions, and inviting long -
term instability.
The new China - Australia Free Trade Agreement (ChAFTA) has some
of the «best - ever commitments
from China» in
terms of opening its markets to imports, according to a new analysis by trade
policy experts Laura Dawson and Dan Ciuriak.
Specific
policies include encouraging job creation and innovation in the new energy economy; improving the fairness
of employment standards (including re-establishing the National Minimum Wage; reversing «tax giveaways» to corporations; introducing and maintaining balanced budgets; protecting Canadians
from «price gouging» by businesses; implementing income stabilization programs for farmers; promoting long -
term economic and environmental sustainability
of marine and forestry resources; and re-investing in education, skills training and apprenticeships to help Canadians succeed in the economy.
By submitting your contact information you are providing express written consent electronically via E-sign to our
Terms of Use and Privacy
Policy, and to share your information with up to 5 partners
from our Approved Partner Network and for them to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and / or email, even if your telephone number provided above is currently listed on any state, federal or corporate Do Not Call list and even if your phone company may charge you for the call.
We also do not have a strong view that the «neutral» (or steady - state) level
of policy rates in Canada is particularly different
from the US in the medium - to - long -
term.
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.
With
term and permanent life insurance, you make premium payments so that in the event
of your passing, your loved ones and beneficiaries will receive the death benefit proceeds
from the
policy.
The Fed must also acknowledge the limitations
of monetary
policy and remove itself
from credit allocation and «short -
term fine - tuning»
of the economy.
«I've had clients for 20 years thank me for advising them to convert
from term life to permanent life insurance when they did... The value
of the
policy can grow significantly,» he said «It's a very useful planning tool.»
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.
«We did hear
from a number
of business leaders around the country that changes in trade
policy had become a bit
of a risk to the medium -
term outlook,» Mr. Powell said in the question - and - answer session.
Please keep in mind that this independent site's
terms and conditions, privacy and security
policies, or other legal information may be different
from those
of Franklin Templeton Investments» site.
Subsequently, expectations
of further moves in monetary
policy were scaled back somewhat, reflecting the rise in the Australian dollar and indications
from the Federal Reserve that monetary
policy in the United States was unlikely to be tightened in the near
term.
But joining the TPP also meant effectively renegotiating the North American Free Trade Agreement (NAFTA), with the United States under onerous
terms of entry that put Canada's other traditional defensive areas on the negotiating table (including Canadian content in media, intellectual property regime preferences, telecommunications ownership
policies, and remaining investment restrictions), with little prospect
of any valuable concessions
from the United States.
But even more importantly, aside
from being a long -
term store
of value, gold is a hedge — a form
of money that acts as an insurance
policy against a dangerously overleveraged financial system.
From 1990 to 2005, he was Director Fiscal
Policy Division Department of Finance, responsible for overall preparation of the federal budget; preparation and assessment of medium - and long - term projections of federal revenues and expenses and implications for fiscal policy; analysis of fiscal conditions at both the federal and provincial levels; evaluation of various budget proposals; preparation of monthly Fiscal Monitor; with the Office of the Comptroller General (OCG), assessing and evaluating accounting standards proposed by the Public Sector Accounting Board (PSAB) of the CICA and recommending changes in government accounting policies; with the OCG, responsible for implementation of accrual accounting for the federal budget and the government's financial state
Policy Division Department
of Finance, responsible for overall preparation
of the federal budget; preparation and assessment
of medium - and long -
term projections
of federal revenues and expenses and implications for fiscal
policy; analysis of fiscal conditions at both the federal and provincial levels; evaluation of various budget proposals; preparation of monthly Fiscal Monitor; with the Office of the Comptroller General (OCG), assessing and evaluating accounting standards proposed by the Public Sector Accounting Board (PSAB) of the CICA and recommending changes in government accounting policies; with the OCG, responsible for implementation of accrual accounting for the federal budget and the government's financial state
policy; analysis
of fiscal conditions at both the federal and provincial levels; evaluation
of various budget proposals; preparation
of monthly Fiscal Monitor; with the Office
of the Comptroller General (OCG), assessing and evaluating accounting standards proposed by the Public Sector Accounting Board (PSAB)
of the CICA and recommending changes in government accounting
policies; with the OCG, responsible for implementation
of accrual accounting for the federal budget and the government's financial statements.
Banking and Monetary Statistics 1914 - 1941 (1,400 +) Data on the nominal
term structure model
from Kim and Wright (6 +) Historical Federal Reserve Data NBER Macrohistory Database (2,000 +) Penn World Table 7.1 (4,400 +) Penn World Table 9.0 (3,800 +) Recession Probabilities Weekly U.S. and State Bond Prices, 1855 - 1865 Economic
Policy Uncertainty Sticky Wages and Comovement (3 +) A Millennium
of Macroeconomic Data for the UK (9 +)