Sentences with phrase «term than a term policy»

You can actually get term and whole life policies that are guaranteed issue, and whole life policies may pay dividends and make it a more cost effective policy long term than a term policy.

Not exact matches

The BOJ currently makes the distinction because buying long - term government bonds for monetary easing could bind its hands on policy for longer than it wants and make a future exit from ultra-loose easing difficult.

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.

In other words, if you tighten monetary policy, certainly by more than is discounted in the market — and what's discounted in the market is very minor rising market — that will reverberate through asset class prices, as well as then you can have a situation in terms of the economy.

Such policies also pay out a death benefit to your heirs when you die, but they are far more expensive than term life.

And although anti-best-friend policies may help kids in the short - term, research suggests the strong connections found among best friends could be vital for mental health in a world where adolescents are lonelier than ever.

An incentive compensation award paid in stock, restricted share rights, or restricted stock pursuant to this Policy shall be governed by the provisions (other than provisions with respect to the computation of such award) of the Company's Long - Term Incentive Compensation Plan.

Also, bills have typically traded below other money market rates during tightening cycles, as they do now; periods where bills trade at or above other rates have been the exception and not the rule.36 Thus, the smaller increase in bill yields than in rates on other term instruments is not surprising, and I do not read it as undermining the general conclusion that the policy rate increase was effective in firming money market conditions.37

Do you have the imagination, capacity, and the policy independence, to put together a policy agenda that is better both in policy and political terms, than simply rubber - stamping some misguided and out of date 2011 election promises?

Subsequently, in 1995, inflation did indeed rise to slightly above 3 per cent in underlying terms, but by less than would have been the case had the tightening in monetary policy not taken place.

While guaranteed universal policies are still much more expensive than term policies, they're usually the cheapest way to buy permanent life insurance.

While this makes term life insurance significantly less expensive than permanent life insurance, it also means that you will not receive any benefit if you outlive the policy.

Apparently the Mr. Flaherty sees no additional scope for fiscal policy action in these circumstances of slowing economic growth, other than to maintain a commitment to eliminate the deficit over the medium term.

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FOMC members now seem more eager than ever to «normalize» policy, that is raise short term rates into line with historic norms and, to the extent possible, unburden their balance sheet of the huge bond holding they had acquired over the last few years.

Compared with previous episodes of booming commodity prices, a floating currency, a sound but flexible medium - term framework for monetary policy and a flexible labour market mean we are doing much better this time than in the mid 1970s or early 1950s.

By shifting the money under the new terms, Apple has saved $ 43 billion in taxes, more than any other American company, according to the Institute on Taxation and Economic Policy, a research group in Washington.

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.

He called monetary policy «the last line of defence» when it comes to trying to influence mortgage markets — essentially discouraging buyers from borrowing more than they can afford to pay back over the long term.

No medical exam life insurance is more expensive than fully underwritten coverage and typically provides fewer options, such as the ability to increase your death benefit or convert a term policy to permanent coverage.

No medical exam life insurance policies are available for both term and whole life insurance, but the death benefits for whole life coverage are typically limited to less than $ 50,000 (while term coverage is usually limited to $ 500,000).

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.

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.

Over the course of 20 years, that means you're paying $ 15,120 more than if you found a level term policy for $ 119 per month.

TORONTO — Sarah Petrevan, senior policy advisor for Clean Energy Canada, made the following statement in response to the release of Ontario's 2017 Long - Term Energy Plan: «Ontario's long - term energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy sysTerm Energy Plan: «Ontario's long - term energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy systerm energy plan provides more direction than details, but it stays the course in building a modern, affordable and flexible energy system.

Fidelis, a nonprofit health plan with more than 1.6 million members, currently offers plans on the ACA marketplaces as well as Medicaid, Medicare Advantage, Dual Advantage, Child Health Plus, Essential Plan and managed long - term care policies.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

They may be able to raise short - term rates less than they otherwise would because now they have this second dial to tighten monetary policy.

The answer is that Fed policy is the primary factor driving the returns of short - term bonds, meaning that they tend to hold up much better than long - term debt when the Fed is expected to keep rates low as was the case in 2013.

According to Anna Stupnytska, global economist at Fidelity International, Jerome Powell's appointment as Fed chair represents policy continuity in the near - term and might even result in a slightly easier monetary stance than some other contenders for the role.

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.

Policy rate changes affects short - term bond yields much more directly than longer - term yields (see Exhibit 1).

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.

Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it's important to evaluate your family's needs before deciding to purchase.

In addition, term life insurance policies are cheaper than other forms of insurance, so they're usually the best choice if you need a particularly large amount of coverage.

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.»

Though the US yield curve remained some way from inversion — which historically is often cited as signaling an impending recession — investors were relatively sanguine about the significance of its flattening, with many arguing that low long - term yields were more reflective of central - bank policies and the weak inflationary environment than dimmer economic prospects.

These policies all generally have a cash value component, which is essentially the surrender value of the policy (if you give it up before its maturity or your death), and is the primary reason permanent life insurance policies are more expensive than term policies.

That policy letter states: «For any mortgage... with an LTV greater than 90 %, FHA will assess the annual MIP until the end of the mortgage term or for the first 30 years of the term, whichever occurs first.»

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.

That policy, Beard concluded, could have no long «term effect other than perpetual conflict abroad and militarism at home.

Social welfare policies which encourage marriage and family cohesion such as increasing the «marriageability» of men, through wage supports and the EITC, will be of more long term benefit than creating new programs and new services.

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.

Disney, now owners of Star Wars producer Lucasfilm, has recently adopted a «legacy pay scale» policy; in layman's terms, veteran actors were paid ludicrously higher wages than their less experienced counterparts, regardless of screen time.

Sir Alex Ferguson's side have been horrific in defence this term but still sit top of the Premier League table due to the fact that Man United's attack have been able to adopt the policy of scoring more than they ship in, but clearly this is not an ideal situation to be in.

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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.