Sentences with phrase «over the course of the policy term»

The cap on the higher premiums is equivalent to the premiums you would have paid if you had never participated in the program, over the course of the policy term.

Aggregate Limit — A maximum total of all claim money that will be paid out over the course of the policy term,

Not exact matches

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

Changes in monetary policy might not do much to raise the economy's «long - term» growth potential, but they certainly affect output and employment over the course of the business cycle.

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

Over the course of 40 years, he could save $ 45,144 by getting term insurance, even though his premiums increased significantly when purchasing a new policy.

But, for example, if your premium for a 20 - year term policy is only $ 250 as opposed to $ 500 for the no medical exam option, you would save $ 5,000 over the course of the policy.

The last time the Fed raised short - term policy rates was 2004 — 2006, during the housing boom, when over the course of about two years it raised their target 300 BP.

However, over the course of a lifetime, whole life insurance is a less expensive option than renewing or rewriting a term policy again and again.

Installment Payment Option: You will have to submit a deposit of 30 % of the premium at the start of the policy term and the rest in six installments over the course of a period of nine months

The one advantage with a fully underwritten policy is that for those who are healthy the savings can be substantial over the course of a 20 or 30 year term.

Term policies can be level term which means the death benefit will remain the same throughout the duration of the policy, or they can be decreasing term which mean the death benefit drops over the course of the policy's tTerm policies can be level term which means the death benefit will remain the same throughout the duration of the policy, or they can be decreasing term which mean the death benefit drops over the course of the policy's tterm which means the death benefit will remain the same throughout the duration of the policy, or they can be decreasing term which mean the death benefit drops over the course of the policy's tterm which mean the death benefit drops over the course of the policy's termterm.

Decreasing term life insurance, also known as mortgage insurance, has a constant premium amount but the death benefit declines at a set rate over the course of the policy.

You pay for the policy over the course of the term, but after the term is up, your policy expires and you no longer pay premiums.

(Of course, it couldn't hurt to read over the terms of your policy to ensure there aren't any strange clauses that could temporarily void your coverageOf course, it couldn't hurt to read over the terms of your policy to ensure there aren't any strange clauses that could temporarily void your coverageof your policy to ensure there aren't any strange clauses that could temporarily void your coverage.)

At preferred plus you can save $ 156 per year, or $ 4,680 over the course of your term policy by not going with State Farm

But, for example, if your premium for a 20 - year term policy is only $ 250 as opposed to $ 500 for the no medical exam option, you would save $ 5,000 over the course of the policy.

At 62 years old, all policy options are available to you, such as 10 to 20 year term life insurance, and thanks to Genworth, even 30 year term is now offered to individuals over age 60, and of course whole life as well.

Simply because the term policy will be much more affordable and because it is generally assumed that an applicant's insurance needs will change over the course of their life.

A decreasing term means the death benefit and premiums go down over the course of the policy.

Over the course of 40 years, he could save $ 45,144 by getting term insurance, even though his premiums increased significantly when purchasing a new policy.

Decreasing term means that the death benefit drops, usually in one - year increments, over the course of the policy's term.

Kristofer R. Kirchen, president of Advanced Insurance Managers, warns, «This may up your rates by a few hundred dollars a year, which over the course of a 30 - year term policy can really add up.»

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

If the policyholder outlives the term, 100 % of the premiums paid over the course of the policy are refunded tax - free to the policyholder at the end of the term.

A straightforward term life insurance policy in which your premiums are guaranteed to remain level over the course of the term.

Your «Aggregate» limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is usually one year).

The premiums do not change over the course of the policy, and you do not have to renew or change policies at the end of any terms as is the case with term life insurance, which offers a fixed rate only as long as the policy's term, which can be a few as ten years.

Over the course of the 20 - year policy term, this will add up to $ 46,560!

Most term life insurance policies pay the same benefit throughout the term, although with some policies, the death benefit drops over the course of the policy's term.

No one can tell the future of course, but it would appear that Protective is out to take over every life insurance company they can and by their own insightful structuring they are assuring that no term life policy will ever be converted.

A decreasing value term life insurance life policy such as mortgage insurance has the drawback of having equal premiums throughout the course of the policy while the face value of the policy decreases over the same period.

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request