Sentences with phrase «rated policy in force»

Considering the multi-decade period of falling rates since the 1980s — including the unprecedented zero - interest - rate policy in force from 2008 to 2014 — it is safe to say that we are in uncharted waters as we move toward an environment in which rising rates could possibly be the new norm.

Not exact matches

Specifically, there are concerns about what might happen should the tide turn in the bond markets when 30 years of falling interest rates reverses at a time when the Federal Reserve is preparing to tighten monetary policy by forcing rates higher.

Subdued inflation forced the BOJ to revamp its policy framework in 2016 to one better suited for a long - term battle against deflation, which targets interest rates instead of the pace of money printing.

This data shouldn't change the Fed's interest - rate strategy, as a rising labor force participation rate will put a lid on inflation regardless of how it's done, but it should lower our confidence that the Fed can solve the problem of a bifurcated workforce, in which a large chunk of workers are getting left behind, simply through interest rate policy.

Indeed, in a classic paper written in the early 1960s, Mundell (Mundell, 1963) showed how, in a world of complete asset substitutability and perfect capital mobility, real interest rates would be largely determined by international market forces with the exchange rate moving in response to changes in domestic monetary policy to provide most of the desired accommodation or tightening.

That some of the forces governing capital flows and asset values are driven not by market - determined expected return but by policy measures directed at, for example, an exchange rate objective means that at least some of what we observe in global capital markets may be attributed to these distortions.

Nonstandard personal auto earned premiums increased from both higher policies in force and higher premium rates.

As the Great Recession set in, the Fed dropped its interest rate target to close to zero, and then was forced to use unconventional monetary policy tools including quantitative easing.

ZIRP and NIRP policies are forcing investors out of cash and near - zero or negative yielding «havens» and into slightly higher yielding investments in which the potential rate of return does not even remotely reflect the degree of risk being taken.

While the assumptions about the future unemployment rate may be affected by policy, the fact is that slower U.S. population growth, coupled with an aging population, place substantial limits on labor force growth, which will leave U.S. GDP growth almost entirely dependent on changes in productivity.

While some countries still enact mercantilist policies that directly affect the relative prices of traded goods in ways that David Ricardo would have understood two hundred years ago, in today's global trading environment, persistent trade surpluses are usually caused by distortions in income distribution that force up savings rates.

It's true that demographic forces are leading to slower growth in the labour force, which reduces the neutral interest rate in the economy and increases the chances that monetary policy will be constrained by the lower bound on interest rates.

In the recent advancing half - cycle, the speculation intentionally provoked by zero - interest rate policy forced us to elevate the priority of market internals to a far greater degree than was required during the tech and mortgage bubbles.

In the U.S. more recent policy driven examples include Paul Volcker's decision in 1980 to force the U.S. into a painful recession by elevating U.S. interest rates above 20 In the U.S. more recent policy driven examples include Paul Volcker's decision in 1980 to force the U.S. into a painful recession by elevating U.S. interest rates above 20 in 1980 to force the U.S. into a painful recession by elevating U.S. interest rates above 20 %.

Obama's economic policies are what forced rates so low in recent years.

It was, arguably, the most successful country exposed to the full force of the crisis, with a managed exchange rate (managed both in the sense of intervention and through well - designed active capital account policies)(see Lee Hsien Loong (2000)-RRB-.

Implementing a negative interest rate policy can also be problematic, in that it can punish people who save by forcing them to pay for their deposits.

This 2011 report surveys recently passed teacher evaluation policies in five states and rates each on the law's strengths and weaknesses in teacher evaluation design requirements, transparency and public reporting of evaluation data, principal autonomy over teacher hiring and placement, and the extent to which the law links teacher evaluation results to key personnel decisions, including tenure, reductions in force, dismissal of underperforming teachers, and retention.

That does not mean that keeping a policy in force has not impact on your rating.

In particular, Jerome Powell and his Fed colleagues will eventually be forced to backtrack on rate policy.

If you have been paying your premiums and your policy is in force, a negative change in your health will not affect your rates.

The low rate for high coverage reflects the very low risk that the insured was actually going to die during the length of time the policy was in force.

People are going to borrow more in this Goldilocks interest rate environment (where abnormal rates no longer reflect risk) and are forced to for RE when the effects of both Government policies and Central Bank monetary policies combine to cause real estate to «demand inflate».

Founded in 2010 and underwritten by Chubb Group, with an A + AM Best rating and a BBB rating of A -, Healthy Paws Pet Insurance is a solid plan with an estimated 200,000 policies in force.

An interesting article in The Times of India explains how one Indian state, Kerala, used a «three E's policy» — education, employment, equality — to drive down its fertility rate as far as China did but without China's draconian steps, and without the forced sterilization used in India's «family planning camps» at one time.

While I hold out hope that by forcing employers to have policies and programs to address issues of workplace harassment, and especially workplace violence, incident rates of the same have decreased, anecdotal evidence as reported in seems to suggest otherwise.

In business since 1907, and a A.M Best Rating of A +, SBLI has over $ 125 Billion of life insurance policies in forcIn business since 1907, and a A.M Best Rating of A +, SBLI has over $ 125 Billion of life insurance policies in forcin force.

A period of prolonged lower - than - expected interest rates could wipe out all of your cash value, and could leave you holding the bag monetarily to make up the difference, in order to keep the policy in force.

Lapse Rates Drive Profits Individuals should do everything in their power to keep their policies in force.

Protective Life has over $ 427 Billion in life insurance policies in force and also has an A + rating from the BBB (Better Business Bureau).

Representing over 80 of the nation's highest rated and most respected life and disability insurance companies, MEG's primary areas of expertise include term life insurance, universal life, disability income insurance, in - force policy review, insuring tough health issues, business insurance including business succession and key man life and disability insurance, as well as estate planning.

At the end of the first five years and every five years thereafter, as long as your policy is in force, your coverage will be renewed at your new age - based rate - without any medical questions asked.

This means that when you place your life insurance policy in force and you're within 6 months of your next birthday, they'll actually determine your rates as if you are 1 year older.

Regardless if your health changes after you've accepted and placed your policy in force, your rates will never change during the guarantee period, so long as you keep your premiums current and paid.

And, the prolonged period of low interest rates has forced the hands of many companies resulting in higher priced term life policies

Premium — a.k.a. how much money you're paying every month (or annually) to keep your pet insurance policy active, or «in force» Deductible — the amount you need to pay before insurance starts covering your expenses Reimbursement rate — the percentage of your bill that your pet insurance company will pay for Payout limits — the maximum amount a pet insurance company will pay per year, per incident, etc..

With the latter, you're basically forcing Future You to buy another policy in twenty years at much higher rates, which doesn't make a lot of sense.

Well, you heard it here first, folks: Once your life insurance policy is in force, your premium rates are locked in.

You don't have to live for the full term length for the coverage to pay out, the term length basically shows how long will your coverage be in force before the rates have to renew or the policy ends.

At the end of the level premium period, the cash value of the in - force policy equals the total of cumulative premiums paid, less any charges for substandard ratings and riders.

The size of a CRVM reserve, as with most life reserves, is affected by the age and sex of the insured person, how long the policy for which it is computed has been in force, the plan of insurance offered by the policy, the rate of interest used in the calculation, and the mortality table with which the actuarial present values are computed.

If you have been paying your premiums and your policy is in force, a negative change in your health will not affect your rates.

According to the ratings agency, the company is enjoying a strong investment profile, capitalization, and a large number of policies in force.

Once the policy is in force you pay a locked in rate for the set amount of years you pick.

Your policy's ability to stay in force will be based on several variables including the cost of insurance and interest rates, which are both variable, and the premiums you pay.

After reviewing the rates for $ 300k, everyone who is eligible should have a life insurance policy in - force to protect their family from the uncertainties of life.

Whole life insurance rates stay the same no matter how long the policy is in force.

When interest rates went down or the stock market lost value, growth assumptions could not be met and the policies required additional premium to stay in - force.

Your death benefit coverage can be guaranteed, provided that premiums are paid exactly as illustrated.1 The Lapse Protection Benefit allows you to ensure that your policy will be in - force for as long as you'd like, without regard to factors such as policy charges and changes in interest rates that are outside of your control.

If a driver already has a policy in force, they may be able to «ride out» the incident, paying their premiums on time and leveraging that pre-agreed rate.