Sentences with phrase «rather than a term policy»

That's one reason agents tend to focus on selling cash - value policies, which typically run longer and, if they're investment vehicles, involve larger dollar amounts, rather than term policies, where the dollar amounts tend to be smaller.

We may find a better value for a fixed rate policy to a specific age rather than a term policy (fixed rate for specific number of years).

Have you ever wondered why so many life insurance agents prefer to sell you a whole life insurance policy rather than a term policy?

Not exact matches

The stakes are high for this assessment, not only because it will be a primary determinant of the timing of Federal Reserve policy tightening; the more one believes that current high long - term unemployment is cyclically (demand) driven rather than structurally (mismatch and demographic) driven, the more one believes workers can be brought back into employment through monetary (or other) stimulus.»

-- Take a look at your employee handbook policies and benefits offerings and make sure they use gender - neutral language, rather than gender - specific terms.

If it were to be decided that monetary policy should be more responsive to asset price events, such an approach would have to be motivated by a broader and rather more long - term notion of financial and monetary stability than is in common use today.

4 In technical terms, we will be operating a floor - based system for implementing monetary policy rather than the traditional corridor - based system for a period.

For example, retirees or vacationers with summer homes, cabins or short - term rental units in parts of B.C.'s Okanagan Valley or Vancouver Island are still implicitly portrayed by these policies as speculators, despite intentions of long - term ownership (rather than speculative activity such as pre-construction flipping) and despite their contribution to B.C.'s economy in many ways.

From the perspective of secular stagnation theory, much of what people worry about in monetary policy is endogenous rather than exogenous — such as zero rates, conditions that give rise to negative long - term rates, decisions to expand balance sheets.

They offer favorable rates, and flexible loan terms, so you can find the option that works best for your personal situation, rather than relying on a blanket, one - size - fits - all policy.

But he is too much inclined, I think, to attribute the emergenceof a «credit deadlock» to past mistakes in banking policy - to the Central Bank not having lowered the rate sufficiently soon, or sufficiently suddenly - rather than to the inherent causes connected with the long - term rate.»

Yes, but you neglect to consider that the money you save by opting to go with term insurance can be invested, and you'll probably be out way ahead with that money for your beneficiaries and heirs rather than if they wait for you to die and collect their benefits through a whole life policy.

Rather than the common policy of discharging such patients to nursing homes when family members insist on continued treatment or the insurance money runs out, Catholic institutions could develop sorely needed long «term rehabilitation facilities that could build on the encouraging work being done with such patients in England and Israel.

So assuming that this will be his last season in charge of the Gunners, will Wenger change his transfer policy, which is often ruled by a long term outlook rather than the sort of quick fix that the likes of Jose Mourinho usually goes for?

Concerns about hospital policy should be taken up sensibly in terms of joiningpatient advocacy groups, etc, rather than saying people should avoid hospitals altogether.

It frames its work using loaded terms such as the provision of relief to «victims», rather than minimally as the alleviation of suffering, and it calls for policy change.

Rather than discuss each kind of policy — broadcast, press, online, etc — separately and on its own terms, we have wanted to provide a more general overview over forms of intervention in increasingly convergent media markets and help shed some light on an otherwise all too opaque policy area attracting increased interest as some commercial media companies continue to struggle and newsrooms in many countries are cut.

Even today, the debates on Trump's policy towards North Korea, Iran and China are seen in largely strategic rather than humanitarian terms.

However, the Civil Aviation Authority warned the Government that without a credible, long - term Aviation Policy Framework which focuses on consumers, rather than airlines or airports, and allows capacity to develop sustainably, «it is likely that prices will rise, route choice will drop and the UK economy will suffer».

It is a term deployed to allude to grand ideas and strategies and to conjure up an image of national power, rather than to illuminate what is actually going on in the foreign policy process, or routine political activity.

«Some of them have been small, others large, but together they have turned the party inwards rather than outwards, looking to the past rather than to new ideas, resting on easy rhetoric rather than taking hard decisions — and above all seeking to distance ourselves from our time in government, rather than building on it, in terms of both policy content and political culture and dynamic.»

In specific policy terms, it is true that Corbynites are on the fringe rather than the mainstream; but in terms of mood and personality, they represent a longing for an alternative that has an appeal far beyond the Left of the Labour Party.

So let's have the debate on moral or philosophical or policy - preference terms, rather than pretending that empirical evidence signals the proper outcome.

Policies that allow institutions to measure student progress in terms of mastery rather than credit hours are beginning to take hold in K — 12 and higher education.

This international conference of education ministers and experts was told that schools policy needed more emphasis on long - term evidence rather than short - term, politically driven changes of direction.

This is also in keeping with the government's efforts to present the policy in terms of improving chances for the poorest families, rather than funding an escape route for middle class families from the local school system.

Research departments within school systems, however, are tasked with responding to local and state compliance mandates rather than addressing critical longer term policy...

In North Carolina, Filardo suggested a policy wherein state officials step in to offer capital assistance if a district spends more than a certain percentage of its infrastructure dollars on short - term maintenance, rather than speeding long - term, fiscally responsible investments.

«One of the findings is that Road Map is helping shift the lens to focus on what we can change as educators — in terms of policy and practice — rather than focusing on students or families as the problem,» Petrokubi says.

Therefore, if you're shopping for life insurance and being pitched whole life (or currently have a whole life policy), compare the cost to a 20 or 30 year term policy, and discuss your decision with a financial planner, rather than just your insurance agent.

Taking out a term life policy becomes more expensive as you get older, so it is important to review term life insurance quotes and options sooner rather than later.

So rather than choosing a yearly renewable term life insurance policy, choose a 10 year term for the same price over the length of time you need the coverage.

Rather than your coverage ending like a typical term policy, Custom Choice UL simply lowers the death benefit over time but your premium remains the same.

This rider is very similar to a long - term disability insurance policy, but it can be conveniently added to your policy rather than you having to purchase it separately.

Rather than carry a life insurance policy in perpetuity, term insurance makes it easier to evaluate your situation and the ups and downs you will experience at various stages of your life.

Consumer reviews offer a better idea of whether or not the policy will help you in layman's terms, rather than insurance jargon, which can keep you from being overwhelmed.

Whole life insurance is a permanent * cash value policy that provides coverage for your whole life, rather than for a specified term.

Yes, but you neglect to consider that the money you save by opting to go with term insurance can be invested, and you'll probably be out way ahead with that money for your beneficiaries and heirs rather than if they wait for you to die and collect their benefits through a whole life policy.

Up to the mid-90's renewal premiums were much lower and it made sense to simply renew your term policy rather than shopping for a new one.

Unless you are especially risk - averse, it is almost always a better decision to get an inexpensive term policy, and invest the money you save yourself, rather than letting the insurance company invest it for you and reap most of the benefits.

A properly constructed Investment Policy Statement provides support for the investment manager to follow a well - conceived, long - term investment discipline, rather than one that is based on ad hoc revisions spawned by overconfidence or panic in reaction to short - term market fluctuations.

This is a cash indemnity policy, which means you receive cash for many different long term care needs, rather than having to request reimbursement of your long term care costs.

New York Life Insurance Company is the largest mutual life insurance company in the U.S. 1 Being mutual means our primary focus is on creating long - term financial safety and stability for our policy owners, rather than the short - term gains favored by Wall Street.

As a secondary focus, sometimes a term life policy rider is added to a policy to add death benefit, rather than adding it to the whole life policy at the expense of cash value accumulation.

Rather than having to buy an individual long term care insurance policy, as of 2009 you can buy life insurance with a long term care rider instead, opening the market up to more LTC retirement planning options.

If so, why would you use such an expensive form of insurance rather than an appropriate term policy?

Alternatively, if it is determined that the policy has real economic value to keep, the advisor and client should consider whether it makes more sense to simply keep the policy to benefit directly from the long - term value of the death benefit, rather than sell as a life settlement (since by definition, if it's valuable to a buyer to purchase, it's valuable to the seller to keep it!).

We believe the public is better served by looking at a shelter's admission policy and overall treatment record, rather than relying on a vague term such as «no - kill.»

A planned gift can be as simple as naming Homeward Pet as a beneficiary in your will or life insurance policy, or transferring long - term appreciated stock to Homeward Pet directly (rather than selling it and donating the after - tax proceeds).

Rather than wholeheartedly support the kind of energy policy, civic infrastructure and lifestyle changes that will allow the United States to prosper in a post-carbon, green economy — and build a clean energy independence — the focus is on populist false promises that developing oil shale or lifting bans on offshore oil drilling will reduce short term energy costs.