Sentences with phrase «premiums over the term»

Both upfront and installment premium recognition methods recognize premiums over the term of an insurance policy in proportion to the remaining outstanding principal balance of the insured obligation.

This means a no medical exam policy may cost you thousands of dollars in additional premiums over the term of the policy, while saving you less than an hour.

Not exact matches

Money managers hold record positions in Brent crude futures and options, lured by the hefty premium of the front - month June contract over subsequent months that makes it profitable to invest in crude over the longer term.

Money managers hold record positions in Brent crude futures and options, lured in by the hefty premium of the front - month June contract over subsequent months that makes it profitable to invest in crude over the longer term.

Financial terms weren't disclosed, but Salesforce indicated it would pay $ 44.89 per share for MuleSoft, a price that represents a 36 % premium over Tuesday's closing price.

For, with long - term taxable bonds yielding 5 percent and long - term tax - exempt bonds 3 percent, a business operation that could utilize equity capital at 10 percent clearly was worth some premium to investors over the equity capital employed.

And there is also no doubt that Apple's devices have benefited from group infatuation, a phenomenon that has often favored a product or a class of designs based on an allegiance that the devotees themselves have difficulty defining in coherent terms, as by people willing to pay high premiums for German engineering even after decades of Consumer Reports evaluations have failed to demonstrate any stunning superiority of German cars over Hondas and Toyotas.

But this have - it - both - ways approach could wreak havoc on insurance markets, leading to big coverage losses over the long - term and premium hikes in the short - term, according to CBO and other groups.

SABMiller immediately issued its own statement saying it still didn't like the terms of the new offer, which would give its public shareholders 42.15 pounds a share in cash, a premium of 44 % over where the shares were trading before news of AB InBev's intention to bid leaked out last month.

First, quality has historically delivered a return premium, i.e. the opportunity to outperform a broad benchmark over the long term.

This data goes through year - end 2013, when the risk premiums for stocks over long - term bonds in the most recent 10, 20 and 30 year periods were 1.5 %, 2.4 % and 1.8 %, respectively.

A quick glance at the graph suggests that the wealth transfer from bond to stock investors has declined over the last 50 years and may now represent a much more modest premium for long - term stock investors.

One is legitimate — every year in which short - term interest rates are expected to be zero instead of say, a typical 4 %, should reasonably warrant a 4 % valuation premium in stocks and bonds, over and above run - of - the - mill historical norms (one can demonstrate this using any discounted cash flow approach).

With these products, the term length is essentially just one year and premiums increase each time you enter a new age group, meaning they become incredibly expensive over the course of 15 or 20 years.

For real estate, Owen talks about purchasing in premium locations (even if that means paying extra, and always think long term) and gives real life examples of properties in Vancouver and how they have appreciated over time.

Without the «Eurozone debt crisis premium» gold prices would still follow on the path set by the fundamental factors that move gold significantly and sustainably over the longer term, such as quantitative easing.

As such, we encourage the Committee to also devote time and attention to several issues that will help ensure the long - term stability of the individual market, including: Section 1332 waivers under the ACA; long - term stability funding; limiting third - party premium payments; and returning to the states more regulatory authority over the individual and small group markets.

The term premium is the extra compensations investors require for the risk of holding a long - term treasury bond versus a sequence of short - term treasury bills over the same period.

Under the terms of the deal, Forest shareholders would receive $ 89.48 a share for each unit held ($ 26.04 in cash and 0.3306 Actavis shares), which represented a 25 % premium over Forest's pre-announcement closing price, and a 31 % premium over its 10 - day volume weighted average.

«Finally, in circumstances where a major central bank is continuing to expand its balance sheet or maintaining a large balance sheet over a sustained period, this policy would likely exert downward pressure on term premiums around the globe, especially in those foreign economies whose bonds were perceived as close substitutes.

And therefore, I am a little bit concerned that the absence of term premium at the long end of the market is the market's myopia over the current low level of short - term interest rates.

Wholesalers or processors offer producers long - term contracts which guarantee a price premium for organic products over several years.

After studying this chapter, you will be able to: Explain the basic nature of a joint stock company as a form of business organisation and the various kinds of companies based on liability of their members Describe the types of shares issued by a company Explain the accounting treatment of shares issued at par, at premium and at discount including oversubsription Outline the accounting for forfeiture of shares and reissue of forfeited shares under varying situations Workout the amounts to be transferred to capital reserve when forfeited shares are reissued; and prepare share forfeited account State the meaning of debenture and explain the difference between debentures and shares Describe various types of debentures; Record the journal entries for the issue of debentures at par, at a discount and at premium Explain the concept of debentures issued for consideration other than cash and the accounting thereof Explain the concept of issue of debentures as a collateral security and the accounting thereof Show the items relating to issue of debentures in company's balance sheet Describe the methods of writing - off discount / loss on issue of debentures Explain the methods of redemption of debentures and the accounting thereof Explain the concept of sinking fund, its use for redemption of debentures and the accounting thereof Topic List Features of a Company Kinds of Companies Share Capital of a Company Nature and Classes of Shares Issue of Shares Accounting Treatment Forfeiture of Shares Meaning of Debentures Types of Debentures Issue of Debentures Over Subscription Terms of Issue of Debentures Interest on Debentures Writing - off Discount / Loss on Issue of Debentures Redemption of Debentures Redemption by Payment in Lump Sum Sinking Fund Method

Sitting atop the range in terms of price is the A3 Cabriolet which carries of premium of around # 2500 and # 7300 over the Saloon and Sportback respectively.

The Mercedes - Benz GLS has just been taken to the next level in terms of design, but none other than the Germany tuning company HOFELE Design, experienced in modifying and producing special edition of premium brands, Mercedes included, for over 30 days.

Being very similar iterations of the same base engine, there's not really much to separate them in terms of fuel economy (both versions return 19mpg in the city, irrespective of how many wheels are being driven, and the 400 - hp's 26mpg in all - wheel drive and 27mpg in rear - wheel drive formats are only one miles - per - gallon down on what the 300 - hp unit can muster), so there's very little holding you back if you can stomach the Red Sport's $ 7,000 premium over the lesser six - cylinder model.

In terms of pricing, expect a premium of about Rs 50,000 over the current top - spec models — the XZ + petrol (with the dual - tone roof) retails at Rs 902,000 while the XZ + diesel costs Rs 989,000 (all prices, ex-showroom, Delhi).

In terms of fuel saving, Europe has gone diesel, rather than Hybrid, and hybrids are making heavy weather over here (due to the price premium over diesel).

«With the production of MINI Countryman at the BMW Plant Chennai, MINI is the first premium small car to be locally manufactured in India and expects significant growth over the medium and long - term,» it said.

Level premium policies have premiums that remain fixed during the term, while others have premiums that increase over time.

I was also interested by his relationship with his employer — since the credit default swaps he had purchased required him to pay monthly premium for no immediate gain, Deustche Bank wanted him to unload them even though he knew they would be profitable over the long - term.

The majority of economists, however, agree that the concept of an equity risk premium is valid: over the long term, markets compensate investors more for taking on the greater risk of investing in stocks.

After the term is over, the policy is renewable with a higher premium.

The premiums are incredibly high and increase over time (in contrast to «level term» policies, «level benefit» means the death benefit stays the same while rates rise), and coverage ends when you turn 80.

Since the plan also ensures that if he were to survive till the end of the policy term, he will receive all the premiums that he has paid over the entire term thus ensuring that he receives commensurate benefits for the premiums he invests whether it is in the form of the Death Benefit or Maturity Benefit.

Premiums were increased in the 1990s, but those measures were to ensure the program was sustainable over the long term and did not include new benefits.

However, earnings will improve over the long - term as the company reinvest premiums received at higher rates.

While the premium stays constant over the term, the face value steadily declines.

Term insurance is basic, generally inexpensive coverage with premiums that increase over time and no cash value component.

The blue area around the gold curve is the targeted range of impact from overlaying Swan's short - term premium collection trades over the hedged equity position.

The FHA program is designed so that you can access a home easier with a low down payment, and allow your equity and finances to increase over the years, making the premium less of a long - term factor.

Another thing to consider is that a mortgage life insurance policy is often written as a decreasing term policy, so the death benefit decreases over time, (just as your mortgage payoff amount decreases as you pay your monthly mortgage payments), but the premium remains the same over the life 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.

Opting for ROP or return of premium will come with added costs over a traditional affordable term life insurance policy.

The premiums are just over $ 1,400 for 20 year term insurance, and almost 10x that amount of whole life insurance.

Term life insurance is not available as a standalone policy on children (because the term would likely be over by the time they needed income replacement for their own families), but a permanent policy will last their lifetime so long as the premiums are pTerm life insurance is not available as a standalone policy on children (because the term would likely be over by the time they needed income replacement for their own families), but a permanent policy will last their lifetime so long as the premiums are pterm would likely be over by the time they needed income replacement for their own families), but a permanent policy will last their lifetime so long as the premiums are paid.

A decreasing term life policy (aka mortgage life insurance) features a death benefit that declines over time, even while the premium typically stays the same.

The return of premium rider, available for return of premium life insurance policies, and also on certain long - term care policies, disability insurance, etc., will return all of your premiums paid over the life of your policy should the term come to an end or should you wish to surrender the 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 grey - blue area around the gold curve is the anticipated range of impact from overlaying Swan's short - term premium collection trades over the hedged equity position.