Sentences with phrase «policy fees which»

It means due to the fact that it is a life insurance policy most of your premiums are going to pay for the annual renewable term and lot of policy fees which include agent commissions and administration fees.

Your first payment will thus include your premium and the advisory fee, but the policy fees which help the company pay its agents, conduct marketing campaigns and manage your account will be much lower.

For instance, there may be an MGA fee or policy fee which is fully earned in the act of writing the policy.

Not exact matches

For purposes of computing ratios, billing and policy fees and other (which are a component of other revenues) are allocated as a reduction of underwriting expenses.

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 consortium of 40 + banks (known as R3cev) which aims to do just that will inevitably develop something which: is permissioned (for users and developers like the apple app store), privatized, has fees, will not be entirely transparent to everyone, will not be open - source, it will definitely be inflationary to accommodate monetary policy of debasement and fractional reserve schemes, it will facilitate negative interest rates, central control of accounts for suspension / freezing of funds, bail - ins, bail outs, capital controls and transactions will include the identity of both sender and receiver and store that information in a centralized location for the convenience of hackers.»

Cryptocurrency trading remains largely unregulated there, which may partly explain the no - fee policy used by the major exchanges.

The California Endowment provided $ 100,000 to cover the fees of the research institution, the Central Valley Health Policy Institute, which provided project management and research expertise.

Earlier this week former prime minister Gordon Brown alleged that the Tories had done a «deal» with the Murdochs, in which favourable newspaper coverage was exchanged for sympathetic policy decisions on media issues like Ofcom and the BBC licence fee.

[100] Miliband subsequently unveiled five pledges at a rally in Birmingham which would form the focus of a future Labour government, specifically identifying policies on deficit reduction, living standards, the NHS, immigration controls and tuition fees.

The most effective vote winning policies are ones which are popular on their own, but which also tell a bigger story about the party's values and are consistent with their other policies - opposing the Iraq war and top - up fees were both popular policies, but also clearly signalled to disillusioned Labour voters that the Lib Dems shared their values as a centre - left party of peace and public services.

After coming out in support of the graduate tax during his leadership campaign, Mr Miliband's favoured policy was instantly destabilised by outspoken comments from his shadow chancellor saying he still supported tuition fees, which he originally helped to bring in while in government.

The about - turn in Lib Dem policy follows hot on the heels of the sacrifice of the policy aim to abolish tuition fees, which caused significant discontent in the party.

There have been some successes of course, and Clegg appealed to voters not to judge his party on one failed policy — which must have been a reference to tuition fees — and to look to the «countless» policies that have worked out.

Fourthly, Lib Dem and swing voters especially will not forgive Lib Dems for precipitating the demise of the Coalition government, probably two years before it is due to end, not on a point of principle, such as on tuition fees, tax policy, social policy like gay marriage, Trident, the European treaty veto or the health or welfare bills but on... an issue of narrow partisan electoral self interest, i.e. unhappiness at boundary changes (which they had already voted for in February 2011).

Key to this criticism was the Labour policy of making students pay tuition fees, which the Liberal Democrats had promised to abolish as their price of entering a coalition, but which became merely the subject of an inquiry as the coalition was formed.

Today's report from Policy Exchange suggests one route out of this crisis could be to raise the cap on top - up fees, which currently stands at # 3,225.

Hunts Point food vendors are protesting a policy change by the Post Office, which wants to charge them a new fee for picking up mail early.

Those rising tensions were coupled with a conference agenda which included votes on economic policy, tax rates, energy, nuclear weapons and the dreaded tuition fees.

«What I wanted to do was make it a policy which was believable and what I don't think is believable is to say we're going to get rid of tuition fees overnight in a way we had done previously.»

The lawsuit centered on how much of a dedicated fee on insurance policy - writers headquartered in the state has gone to other parts of state government beyond that which regulates the insurance industry.

The move is designed to ease Lib Dem concerns about the policy, which directly contradicts their manifesto pledge to abolish tuition fees.

Responding to questions he said Barack Obama wanted Britain as a strong partner, which meant a United Kingdom remaining united and continuing as part of the European Union, and Labour would soon announce policies on student fees and higher education funding.

With the party divided between social and economic liberals, debates on nuclear power, the economy, tuition fees, green policy and taxation are unlikely to yield unanimous responses, resulting in internal division which may hinder the party's ability to project a clear and consistent message in the run up to 2015.

In a related commentary, Paul B. Ginsburg, Ph.D., University of Southern California, Los Angeles, writes: «There is broad consensus among physicians, hospital and health insurance leaders, and policy makers to reform payment to health care providers so as to reduce the role of fee for service, which encourages high volume, and instead to use systems that reward better patient outcomes, such as bundled payments for a population or for an episode of care.»

The return / exchange policy is somewhat cumbersome with a restocking fee of $ 7.95 for returns, which I have never heard of before for shoes.

Johnson outlined in the Guardian the view that tuition fees allow the Government to reconcile its three policy objectives for undergraduate higher education: to reduce inequality, to fund institutions on a level which facilitates global competitiveness, and also to share the cost «between the individual student benefitting from a graduate earnings premium and taxpayers in general, most of whom will not have attended university.»

State laws, not national policy, determine which school expenses must be taxpayer - funded and which can be charged to students as user fees.

Waiving fees, supplying equipment or instruments, covering the cost of uniforms, providing transportation, partnering with community - based entities to offer scholarships for specialized skill and talent development, and eliminating cut policies are a few of the ways in which schools work diligently to ensure that all kids have access to the benefits of extracurricular participation.

All private schools in Louisiana must publish their tuition and fees, help families apply to their schools, and provide families with all school rules, disciplinary policies, and academic policies, to which the parent must agree in writing.

He also said the Sutton Trust, which has been a vocal critic of the impact of the government's tuition fee policy, would remain completely independent of government.

TFA in particular has been a policy lightning rod, given its limited upfront training, aggressive expansion during a period of significant teacher layoffs, and fees it charges to school districts with which it contracts to place teachers.

Farmers quoted an annual fee of $ 915 for a home insurance policy, which provides $ 458 in savings over the next cheapest option.

Those fees are not generally part of the liability limit of the policy, which leaves the entire policy limit available to pay claims if necessary.

Your Atlanta renters insurance can cover those costs if you're sued for something that the policy covers, which might save you tens of thousands of dollars in legal fees alone.

If the mutual fund to which the cash value is invested returns a rate that exceeds 20 %, the full amount is credited to the policy holder's account (minus fees of course).

A provision of the ACA designed to facilitate preventative care and which was put into effect immediately upon enactment of the law is its coverage of certain preventative care screenings — these procedures have been made available to all health insurance policy holders without charge, and without payment of normal co-pay fees or charges.

Policies have a surrender period during which, if you withdraw part of the cash value or decide to give up your coverage, you will pay fees.

Either it's money that essentially covers the cost of selling and issuing the policy initially, and per the insurance contract belongs to the insurance company because they've already done that work, or it's money that is associated with very specific kinds of fees which are fully earned as soon as the policy is issued.

If you have a master policy program in place, it will generally offer liability coverage for the tenants for a set fee every month, which you can simply collect with the rent.

The MSO, available for an additional fee, offers growth potential (up to a cap) as well as some downside protection, which may help you to address volatility concerns in your variable life insurance policy.

Many hedge funds use the pricing policy 2/20, which means 2 % annual management fees and 20 % of the profits after a specific target has been reached.

The only payment you're likely to make to a broker will be the fee for arranging the policy, which is often no more than # 25.

Policies commonly have contract limitations, fees, and charges, which can include mortality and expense charges.

Most whole life policies also have commissions and fees attached by the underwriter, which drives up the price of these types of policies.

Most people won't have a problem with Bank of America's fee policies, which include a $ 12 monthly fee on its standard Core Checking account.

One loan may provide a lucrative APR (annual percentage rate) due to various lender fees and policies, while another with the same APR may have upfront points which need to be paid — so this means that the interest rates would be different.

When the policyholder passes away, the entire death benefit — which includes insurance, all transferred annuity funds and compounded market interest credits (less fees, spreads, withdrawals or any policy loans and interest)-- pass to beneficiaries completely income tax free.

More than three - quarters of the people who paid an overdraft penalty express concern about specific overdraft policies, including the high cost of a penalty and the practices of charging «extended» overdraft fees — additional charges for failing to repay a negative balance on time — and of reordering withdrawals from highest to lowest dollar amount, which have the effect of increasing overdraft fees.

This money, which is deducted from your policy's death benefit, can cover full - time home care or pay for your nursing home fees.