Sentences with phrase «policy lives past»

When a party who is covered by any life insurance policy lives past the term of the insurance, the premiums paid for the traditional term policy are considered spent money for the «risk» that never occurred.

Not exact matches

To illustrate the issue, over the past 20 years, the cost of a new drug per year of a patient's life has risen from $ 50,000 to $ 250,000 after adjusting for inflation, according to Peter Bach, director of the Center for Health Policy and Outcomes at Memorial Sloan Kettering, who also spoke at the conference.

This rider adds to the cost of your premiums but ensures that you'll receive a portion or the sum of premiums paid if you live past the term of the policy.

If they lived past their policy's maturity date, policyholders lost their coverage and received little cash value in return, since the funds had been used to pay premiums.

Owning your life insurance policy could put you past the tax exception threshold which would mean estate taxes would apply.

Although the relevant authorities have made it clear over the past few months that all insurance policies — with the exception of life insurance — are subject to the levy,...

``... very strong politically correct and left - wing revisionist history attitude or tone that's also Anti-American (especially a vague charge against «U.S. foreign policy»), and strong anti-capitalist elements... blasphemy, implied urinating, vomiting, scatological humor, and comments on breast feeding and sexual parts of people's bodies; light brief violence includes beating on car window and trying to damage car, man comically shoves people off a stage, man burns books; sexual content includes homosexual references, implied adultery with a pregnancy out of wedlock, talk about a priest raping boy in the past, a giant condom balloon placed on church steeple, references to real condoms, implied fornication; upper male nudity, man wears a dress; alcohol use and drunkenness; smoking and marijuana use depicted, including eating marijuana brownies; and, strong miscellaneous immorality includes lying, stealing, revenge, rebellion, dysfunctional family portrayed, father is a pothead and a drinker and lives in a trailer»

Indeed, it is simply remarkable that those people responsible for educational and social policy during the past three decades can not make the obvious connection between the deplorable state of education, the multiple tragedies of the inner cities, and the virtual elimination of religiously informed values from American public life.

In policy documents like the 2002 National Security Strategy of the United States and this past November's National Strategy for Victory in Iraq, the Bush administration» convinced that the attacks of September 11 defined a pivotal moment in world politics» has laid down a sharp challenge to certain well - entrenched ideas about the nature of «realism» in international affairs, even as its policy on the ground has challenged numerous conventions of post-World War II international public life.

In my past life as a business traveler I would cringe at the open seating policy on Southwest, but in my new life as a mom, it worked perfectly.

«I have always lived my life with dignity, integrity and honesty; and I can say without hesitation that I brought those same characteristics everyday when I proposed bills, passed legislation, debated public policy, and fought tooth and nail to protect western New York on the floor of the New York State Senate for the past 38 years.»

The Chancellor's commitment to protect the Science Budget in real terms over the life of this Parliament is a positive first step but sadly does not go far enough to compensate for the # 1 billion lost to the research base over the past five years due to the Government's flat - cash policy.»

Mullins has been critical of Bratton in the past, ripping his policies as «political pandering» that endanger officers» lives.

He has stopped all the policies initiated by the past governments that touched directly on the lives of the poor.

While average life expectancy has been rising steadily in most countries over the past century, new research led by the Centre for Addiction and Mental Health (CAMH) shows that life expectancy declined significantly and rapidly in three countries where policy changes increased access to prescription opioids, alcohol or illicit drugs.

Duraisingh, who received her doctorate from the Educational Policy, Leadership, and Instructional Practice Program at HGSE, focuses on how young people use the past to help make sense of their own identities, lives, and values.

As in the past three years, advocacy activities will include a Principal Shadowing Day, where U.S. Department of Education policymakers will personally experience a day in the life of Washington D.C. - area principals and see education policies in action.

While term insurance is great for all of the «what ifs», there is the possibility that you will live past your policy's expiration date.

This rider adds to the cost of your premiums but ensures that you'll receive a portion or the sum of premiums paid if you live past the term of the policy.

Permanent policies, on the other hand, are used to fill smaller financial obligations at the end of one's natural life, which often means that it's geared towards people who are past retirement and without any dependents.

A return of premium policy fulfills the life insurance obligation and returns the premiums if one or both of the partners live past the term.

ROP policies were more popular in the past, but due to higher costs associated with the policies most life insurance companies no longer offer the ROP option.

They're called Cash Value Life Insurance policies, and they're likely NOT what you've heard about in the past.

For the past 30 years, second - to - die life insurance policies have been sold to people for tax savings and flexibility.

This past spring, a friend of mine started paying for a whole life insurance policy that his parents bought for him when he was a baby.

If you do choose a less expensive term life insurance policy and live past the initial term of the policy, you could find yourself without insurance as well as end up spending a lot more money in order to extend coverage, if that is even an option.

Independent agents usually work with multiple life insurance companies (PolicyGenius agents work with almost a dozen) and can help match you to the life insurance company with the most liberal policy towards past bankruptcies.

But the designs for these policies have largely stabilized over the past five years, due in part to the increased popularity of combination products, such as annuities and life insurance long - term care rider options.

Coverage may extend past the life of the policy for at a higher rate.

Even if you have been turned down for life insurance in the past, a no exam policy could allow you the ability to get the coverage that you need.

Depending on the type of life insurance policy you're applying for, you should be prepared to answer several questions regarding your past and current health, occupation and lifestyle.

For a real - world example of how a system of market - chosen monetary policy would work in the absence of a central bank, one need not look to the past; the example exists in present - day Central America, in the Republic of Panama, a country that has lived without a central bank since its independence, with a very successful and stable macroeconomic environment.

You have either purchased it fairly recently (in the past 5 years) or it is a child whole life policy bought by a loved one.

Over the past 23 years, NWEI has evolved into an organization that lives its values by providing a flexible, family - friendly work environment, encouraging staff to recharge with annual personal retreats, offering a sabbatical for long - term employees, and revisiting our practices and policies regularly to ensure that we continue to evolve and grow.

Even if you have been turned down in the past for life insurance coverage, you may still be able to obtain a burial insurance policy.

If the policyholder makes it past the initial two - year waiting period, the benefits stated in the policy will go into full force and the beneficiary will receive the amount listed on the life insurance.

The benefit to term life is that it is much less expensive than whole life, but the con is that it does indeed expire and will not provide any benefit if the policyholder lives past the policy expiration.

The insurance company will review your current health status and your past medical and prescription records to decide if you are eligible for a life insurance policy.

We helped Don get a much needed guarantee issue life insurance policy, even though he had been turned down for life insurance in the past.

However, if you need coverage for more than 30 years (past age 83) you might want to go with a guaranteed universal life policy instead.

Insurance companies profit by choosing to insure people who are most likely to live past the policy term.

One of the biggest advantages to applying for no medical exam life insurance is the fact that these policies may allow someone who has an adverse health issue to obtain the coverage that they need — even if they have been turned down for traditional life insurance coverage in the past.

There are several things that can drive up the cost of purchasing a life insurance policy, including current and past health conditions, your family's medical history and your age.

In the past, a universal life policy didn't have the guarantees it does now.

If you are concerned that your past or current medical conditions may prevent you from being approved for a life insurance policy, you may want to consider our Guaranteed Issue Whole Life Insuralife insurance policy, you may want to consider our Guaranteed Issue Whole Life InsuraLife Insurance.

Even if you've been told that you no longer need life insurance, or you've been declined for coverage in the past, don't assume that an insurance policy is a waste of money.

Because the odds are high that you will in fact live past when the term expires, these policies are much less expensive than «permanent» life insurance policies that never expire.

If you're past age 80, you'll have a hard time getting term life insurance but most term life policies include an option to convert the term life policy to a Universal Life or Whole Life pollife insurance but most term life policies include an option to convert the term life policy to a Universal Life or Whole Life pollife policies include an option to convert the term life policy to a Universal Life or Whole Life pollife policy to a Universal Life or Whole Life polLife or Whole Life polLife policy.

For instance, many burial insurance policies do not require an applicant to take a medical examination as a part of the approval process — and because of this, those who may have an adverse health condition may still be able to qualify (even if they have been turned down for medically underwritten life insurance in the past).

If, however, the insured lives past the second or third year and then passes away, the full amount of the policy's death benefit will be available to the beneficiary.