Sentences with phrase «policies issued without»

Not only are term life policies issued without a required exam, but also permanent life insurance policies.

The True Blue business model is built on providing instant life insurance rates to get policies issued without any wasted time.

Many companies put a $ 100,000 or $ 250,000 cap on life insurance policies issued without a medical exam.

Our business model is built on providing instant life insurance rates and utilizing technology to get policies issued without wasting time.

This is another place where school boards should step up — to give teachers contractual guarantees that they can speak freely on policy issues without fear of repercussions, or at least to provide avenues for anonymous (but publicly accessible) commentary on policy issues.

It IS possible to disagree about science facts, science opinions, research findings and policy issues without engaging in the kinds of truly deplorable behavior we have seen from «both sides» [how I hate having to say that] of the Climate Controversy.

A policy issued without a health exam is simply considered a higher risk for the insurance company.

A life insurance policy issued without a medical exam will sometimes cost more money than a policy issued with full underwriting.

For example, with SBLI you can get a 30 - year fixed term with a face amount of $ 250,000 for just over $ 26 monthly and get your policy issued without an exam.

Not exact matches

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.

A number of problematic workplace issues can arise when your employees engage in social media activities at work without a formal company policy in place.

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

It's the kind of thing you might come up with if you were a wealthy landlord and reality television personality who ran for president on a whim without learning anything about issues or public policy.

Without it, how could they ever distract people from the real issues, and their poor policies to manage our real problems?

But without issuing some sort of statement expressing disappointment and reiterating school policy, she said, the district is making a mistake.

In today's online issue of U.S. News and World Report, Marilyn Schwartz, Ph.D., deputy director of the Rudd Center for Food Policy and Obesity at Yale University in New Haven, Conn., notes that parents in states without strong laws governing competitive foods can still take action.

That is why our policy is to go on supporting parents and helping them to resolve issues without recourse to expensive legal battles during which attitudes frequently harden even further.

What really made it an issue (apart from forking out more money) was the fact that we purchased our tickets online, and when we found out about various airline's policies, it was impossible to purchase an infant «ticket» without purchasing an adult fare simultaneously.

Once again then, Miliband has chosen to make a grandiose statement on an issue, without any thoughtful policy - making backdrop.

So why has this party — without a single seat in parliament — managed to change government and opposition policy on what many voters think to be the most important issue of the day?

The Tories are waiting to announce their policy on this issue until Copenhagen is concluded but speaking on the phone to Andrew Mitchell a few moments ago the Tory aid spokesman accused Brown of «fiscal incontinence» in the way he was spraying around figures from one week to the next without explaining either from where the money would come or for what specifically it would be used.

The county executive announced a policy in October 2014 to not honor requests from ICE to detain undocumented immigrants without a court - issued warrant.

Without a driving policy issue in the race, who votes, and therefor who wins, will be a combination of voter awareness and motivation.

Major trust issues between New Yorkers and the elected representatives controlling their tax dollars continue to hamper our work, and without stricter reforms the integrity of the state's entire policy - making process is at risk.

Iain, I agree with your sentiments and in an ideal world politics should be clean and all about parties being civil, debating issues and policies with the press reporting on it without bias, but British politics is a dirty business.

«There will be continuing voices who are basically anti-coalition,» he goes on, mentioning a Tory backbencher called Peter Bone, who was recently heard making the case for a minority Tory government, issuing a tantalising rallying call to Tory activists: «Without being shackled to the Liberal Democrats we could introduce real Conservative policies relevant to the nation.»

, on scraping back to power in a multi-party world without ever trying to resolve the larger issues or achieve genuinely popular policies that might compromise

EdMiliband's whole leadership style was premised on the tactical exploitation of this and that issue, on scraping back to power in a multi-party world without ever trying to resolve the larger issues or achieve genuinely popular policies that might compromise a future Labour government's grip on the levers of power.

However, when they were asked to poll on policy issues differing between the candidates, without the candidates name associated to it, they voted 60 % to 40 % in favor of Romney over Obama.

Without land - use policies to limit its environmental footprint, the impacts of cannabis farming could get worse, according to a new study published in the November issue of Frontiers in Ecology and the Environment.

They can vote in Parliament on issues like stem cell research and policy on mad cow disease, they can pass the Government's science budget without even knowing what it says, but they can not actually engage with the scientific community.

Agenda 21 has tackled a huge range of issues without providing the firm blueprint for policy - makers that was intended.

This elite and visible unanimity, however, belied the tangle of issues revealed earlier in the day during the smaller, nontelevised meeting where scholars from economics, political science, law, and public policy examined the likely difficulties of devising immigration policies that help the economy without harming immigrants or people who are already in the country.

As soon as the order is confirmed, it reaches you within two days and if there's any issue such as size problems then they also honestly offer free return policy, without any hassles, which is rare to find these days.

The best dating sites are aware particularly of women's issues when dating online and will have a positive policy allowing women members to block those who they do not wish to communicate with, without repercussions.

Near the end of the campaign he goes for days without sleep and food ending up mentally so deranged that he gets a large insurance company to issue a policy to him for $ 10 million dollars for bottling up a bill in his senate committee that the insurance company doesn't want passed.

At the conclusion of the research, Coffield et al., postulate the following question: Finally, we want to ask: why should politicians, policy - makers, senior managers and practitioners in post-16 learning concern themselves with learning styles, when the really big issues concern the large percentages of students within the sector who either drop out or end up without any qualifications?

School construction is a significant policy issue because without major renovations, upgrades, and new facilities, many schools are in such bad physical shape that they can not even begin to offer students a high - quality education.

To help fill the gaps for participants, sessions included exploring what leadership really means, understanding the process of policy analysis, figuring out how to get others to see all sides of an issue, figuring out how to effectively use research - based evidence, strategizing how to get quality teaching even without resources, and learning how to use the media to communicate a vision.

The extent to which Uncle Sam should intrude himself into school discipline practices — and the extent to which «disparate impact» should intrude itself into federal civil - rights policies — are hugely important issues, with or without charter schools.

The CPRE study's interview findings about the importance of staffing and space in adjusting disciplinary policy seem obvious ex post, but many districts are changing their policies without addressing these first order issues.

These strategies involve 1) accurately informing the general public and the policy community regarding the condition of schools, that is, their financing, their achievement, and the relationship between the two; 2) conducting empirical research aimed at understanding issues of productivity in education; 3) informing policymakers and school managers regarding means by which budget cuts can be made without eviscerating instructional effectiveness; and 4) solving challenges to wider adoption of instructional technologies.

We talked a little bit about federal policy changes, but this is also a state level issue without a doubt.

SDI and addressing your unique needs - The SDI Section is the one place you can creatively address your gifted child's issues without having to change an entire District policy.

At the same time, there are still citizens — especially dual - income households without children who tend to populate cities, as well as those concerned with other issues — for which education policy doesn't weigh in as a deciding factor largely because they see little concrete connection between low graduation rates and the levels of crime in their communities.

That 2014 civil rights guidance — jointly issued by the U.S. Departments of Education and Justice — put schools on notice that they may be found in violation of federal civil rights laws if they enforce intentially discriminatory rules or if their policies lead to disproportionately higher rates of discipline for students in one racial group, even if those policies were written without discriminatory intent.

Because discussions about teacher pay rarely reference these data, the policy debate on education reform has proceeded without a clear understanding of these issues.

But he's long argued that policy issues should not be added into the budget process and this legislation addresses concerns about automatic expansion without proper debate,» says Michael Boerger, an aide to Ellis.

As Norwalk contemplates who would best serve as their school superintendent, they should be especially cognizant of the policy issues surrounding how to improve educational outcomes for those students who enter the school system without the English language skills necessary to succeed.

On February 2, Random House, the only one of the «Big 6» publishers to provide ebooks to libraries without restrictions, made an announcement that they would continue their generous policy, but that there would be a price hike to deal with some of the issues surrounding permanent access to ebooks.