That's because insurers
price their policies based on the risk you pose; the younger you are, the more likely you are to keep living — and keep paying your premiums.
In the old days, the value of a legal treatise seemed to be determined by the weight / number of pages as much as any rational
pricing policy based on solid market research.
I admit to my fair share of cynicism in relation to legal publishers; many — though thank goodness not all — have always seemed to operate
a pricing policy based on «what the market can bear».
It's good to try several different life insurance companies because each company may
price your policy based off of a different criteria.
Not exact matches
Folks then paid a percentage of the «benchmark,» or medium -
priced policy in their area
based on two factors, their age and their income.
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.
One CEO expressed caution about drastic
policy measures
based on high fuel
prices.
(T. Rowe
Price itself does not report its fund holdings on a monthly
basis, and has yet to release its filings for the second quarter ended June, but it likely took similar reductions on Uber stock across its funds, in accordance with its valuation
policy.)
Your second order concern should likely be political feasibility, and in particular you should ask whether more stringent regulations are more feasible than a stringent
price -
based policy.
US -
based shale producers including EOG Resources Inc., Continental Resources, Inc., and Pioneer Natural Resources are set to suffer as oil
prices continue to be weighed down by the increased production Trump's
policies imply.
Omada negotiates
prices for its program directly with them and has a «bill -
based - on - results»
policy, so anyone who starts the program but fails won't cost the company or insurer.
Carriers generally calculate the
price of a
policy based on the insured company's industry, number of employees, rate of employee turnover, and prior history.
The doctors» lobby has warned the government not to allow health funds to
price insurance
based on factors such as age and lifestyle, while attacking «junk»
policies that don't cover common procedures.
This element is offering a market
based pricing of the market's expectation for the Federal Funds Rate, the instrument of Federal Reserve
policy.
[12] Nor does the notion that monetary
policy operates by expanding the money supply (or
base money) and this excess supply bids up demand for goods and services (and their
prices) as people attempt to get rid of their excessive money balance.
A rise in crude oil
prices and a rebound in
base metal
prices, both partly related to the announcement of new
policy stimulus measures in several countries, account for much of the recent movement.
Pursuant to the
policy, as revised in February 2009, at each annual meeting of our stockholders, provided that the director has served on the Board for at least six months prior to the annual meeting, a non-employee director would be granted RSUs having a value equal to $ 225,000 divided by the lesser of (i) the trailing average closing trading
prices of our common stock for the 180 - day period preceding and ending with the date of the RSU grant or (ii) such number of RSUs as the Board may determine
based on additional criteria such as business conditions and / or company performance, outside director compensation practices at peer companies and advice from outside compensation consultants.
Practically, this translates into a
policy of letting bygones be bygones and allowing «
base» drift in the
price level.
In the
base metals complex, only nickel and tin traded higher for the quarter.4 A slow start to Chinese restocking coming out of the Chinese New Year holiday weighed on
prices for copper and aluminum, both of which saw their worst quarterly results in years, while zinc and lead
prices also declined.4 The London Metal Exchange (LME) Index, which tracks the three - month futures
prices of all six metals, fell 6.3 %.4 LME copper -LRB--7.4 %, to US$ 6,714 per mt) and other industrial metals erased some of their 2017 gains, falling alongside a sharply decelerating expansion in China's manufacturing activity — sparking demand concerns and greater caution among hedge funds and other speculators who cut their net long positions in the metal.4 Outside the LME, US steel was buoyed by trade
policy changes.
Level term
policies are usually more affordable since premiums can vary
based upon factors other than age, and the insurer can better
price your risk profile.
This implies that the company he works for, in addition to making a decision about his
base pay, is also, through its
pricing policies, making a decision that likely has an even bigger impact on his income.
That's when the central is expected to raise interest rates again,
based on the 30 - day Fed Fund futures
prices, which gauge the market's outlook on monetary
policy.
While
base rates kept at or close to zero for almost seven years and three massive asset - buying programs by the Fed have undoubtedly helped stabilize the US (and world) economy during and after the recession that followed the global financial crisis, the continuation of expansionary monetary
policies is now supporting a growing excess of global liquidity that has been distorting the market signals sent by stock and bond
prices and thus contributing to the growing volatility seen in recent weeks.
This makes it clearer than ever that any system of carbon
pricing, whether
based on taxes, caps or some combination of the two, can only be one part of a comprehensive set of
policies to achieve climate change goals.
Subsequently, with continuing strong activity indicators, stretched labour markets and signs of possible pipeline
price pressures (although core consumer
prices remain benign), the Federal Reserve tightened monetary
policy by 25
basis points to 5 per cent in June and then 5.25 per cent in August (Graph 5).
To compensate for this lack of «real address», lenders use dummy information
based on probable loan data including sample purchase
prices, sample real estate tax bills common for the area, and sample homeowners insurance
policies and / or homeowners association assessments, where applicable.
The strategist, Richard Turnill, said it might be possible to view
price movements in blockchain -
based cryptocurrencies as influenced by the ultra-easy monetary
policies put in place by central banks after the 2007 - 2009 global financial crisis.
Nor have we yet deployed a comprehensive set of
policies to support the rebalancing of the U.S. economy toward a growth path
based more on business investment, trade and broad -
based income gains than the type of asset
price gains and credit - fuelled consumption, which dominated the last business cycle.
Market principles in themselves provide no
basis for doing otherwise, and if one's competitors are able to pay less and so reduce the
price to consumers, one is forced to adopt the
policies that make that possible.
Through an economic
policy of global
price averaging, Intelsat has ensured affordable communications on a worldwide
basis.
Stable rice
prices means rice that can withstand production challenges, well informed rice -
based policies, effective and inclusive value chain, minimal losses, and effective education of new generations of rice scientists.
So
based on your argument, Professor King, it is no coincidence that some of the strongest arguments about the potential damage of this Coles
pricing policy have been made by other milk processors, given that you outline that milk processors are probably the ones at the greatest risk here of losing profit margin?
Just like the moneysupermarket website, the moneysupermarket app is effortless to navigate around and offers a clear breakdown of what the different
policies offer and the difference in
price between making a single payment and opting to pay on a monthly
basis.
This provision should not restrict the establishment of
pricing policies and practices intended to provide products at lower
prices on a long - term
basis.
Possibly to the readers» surprise, Gause finds that the invasion of Kuwait was actually
based on its oil
price policy and is not explained by his own regional security complex, which seems like a flaw in the used framework, as it indicates a lack of explanatory power.
It is disappointing that five years have been wasted on a fruitless exercise when the government could have been making real progress by delivering on its commitments to introduce evidence
based policies such as minimum unit
pricing for alcohol.
«But we believe we should be making biofuels and replacing petroleum, and it's not good
policy in our mind to only worry about fuel supplies
based on the
price of oil.
«Assuming that technology will allow ever more shale gas production at low
prices — and betting energy
policy and the future energy security of the country on it — is risky business,» says geologist David Hughes, who retired from the Canadian Geological Survey and is now doing assessments of shale gas and oil for the nonprofit Post Carbon Institute, a California -
based environmental think tank.
Executive Summary Putting a
price on carbon,
based on the polluter pays principle, has the potential to be a powerful
policy tool to reduce greenhouse gas emissions in the fight against climate change.
Suppliers have been awarded
based on a mixture of quality and
price criteria and have all passed stringent checks on their financial status, quality standards, health and safety
policies and environmental credentials.
[12] This description of the use of free and reduced
price data is
based on oral communications from USED staff and
policy letters posted on the USED website at http://www2.ed.gov/
policy/elsec/guid/stateletters/index.html.
The
policy, devised as a way to help disadvantaged children, provides schools with a
base rate of funding for each student, currently $ 2,896, and adds dollars
based on need, such as the number of children receiving special education services, free and reduced -
price lunches and lessons in English as a second language.
The Conservatives will review admissions to «overcome the unfairness of selection by house
price» but says it will never introduce a mandatory lottery -
based school admissions
policy.
Bundle multiple courses, allow different access
policies, subscription duration, time
based access, and
pricing for different users like employees, partners and customers.
In keeping with Acura's longtime
pricing policy, there's one
base MDX model and a few option packages.
By the way, the notion that e-book sales are declining is utter nonsense, and
based merely on numbers from the biggest publishers, who due to their
pricing policies are receiving a steadily decreasing portion of book sales.
Free quote option will help you make certain our
pricing policy is set on an individual
basis, which means the
price you have to pay at the end is formed according to the research complexity, deadline, academic level of the required paper.
New releases are now often in excess of $ 15.00 There is currently a grass - roots movement among Kindle users to boycott Kindle books that are
priced above 9.99 in order to force Amazon to change its bait - and - switch
policy, seeing as they originally sold the K1
based on this $ 9.99
price point for books.
Based on our study, the average homeowners insurance
policy in the city of Watertown comes at an annual
price of $ 2,295.
North Carolina Renters Insurance is
priced not
based on the expected cost of the risk that's being insured, but on what the state says may be charged for a particular type of
policy.