Sentences with phrase «value policies such»

But the truth is that this is more true in cash value policies such as universal life and whole life.

At first, these riders were only offered in cash value policies such as whole life insurance or universal life insurance, but they are now available in term life insurance products as well.

We'll talk about the pros and cons of term life insurance versus cash value policies such as universal life.

Buying level term and investing the difference in premium (had you bought a cash value policy such as whole life, universal life, or variable life) you'll most likely (99.99 % of the time) have more coverage and more cash accumulated in the long run.

Not exact matches

An adviser who earns a flat fee - such an hourly rate or a set percentage of your portfolio value - is much better aligned with you than an adviser who earns commissions for selling you particular mutual funds, insurance policies, or other products.

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 personSuch 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 personsuch 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 personsuch 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.

Martin Moen, the director general at Global Affairs Canada who oversees North American trade policy, told a conference in Ottawa earlier this month that it would be «very difficult to see a path forward» for NAFTA if the U.S. continued to insist on changes that would constrain cross-border commerce, such as a the suggestion that the value of U.S. government contracts won by Canadian and Mexican firms should match the value of contracts American companies secure in Canada and Mexico.

The ALEC draft document for this week's Energy, Environment, and Agriculture Task Force Meeting encourages state policymakers to recognize the value the electric grid delivers to all and to update net metering policies to require everyone who uses the grid, such as distributed solar users who feed into it, to pay for it.

An advisor who earns a flat fee — such an hourly rate or a set percentage of your portfolio value — is much better aligned with you than an advisor who earns commissions for selling you particular mutual funds, insurance policies, or other products.

Both the findings from the poll and a series of anecdotal interviews conducted with Vancouver - area youth alongside the survey reveal that younger millennials in particular take a very pragmatic approach to engaging Asia, which may mean taking a step back from the values - driven foreign policy of previous eras and toward a recognition of the practical economic necessity of trading with countries such as China.

Permanent life insurance policies, such as whole and universal life insurance, offer lifelong coverage and typically have a cash value component.

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.

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.

The selected stock market index is used to determine how much interest may be credited to your policy, subject to limitations such as a «cap»; however, your premiums and cash values are never invested directly in the stock market.

If you have valuable computer equipment or technology that mostly stays in your home, both types of policies should help you recover the lost value of those items after covered events, such as a fire or theft.

As the policyowner accumulates cash value inside the policy, the person can access the cash value, through loans or partial surrenders, which can be used for a variety of personal needs, such as quick cash for an emergency or to help supplement retirement income.

Since the growth of your policy's cash value is tax - deferred, variable life insurance might be a good consideration if you've maxed out your retirement account contributions, have a sizable portfolio of more liquid assets (such as in your brokerage and savings accounts), and are looking for an additional investment vehicle that also offers coverage to your dependents should anything happen to you.

While the more educated may smirk about such articles, there is a lot of value in helping people analyze and understand the book upon which they place their beliefs, especially when it becomes legislation and policy that affects people outside the religious bubble.

Thus the particular historical exigencies and social possibilities in our own age will necessarily affect the ways in which these values are translated into norms on such issues as women's rights, sexual ethics, social justice, property rights, energy policy or ecological concerns.

When one fully realizes that economic theory places no value on personal relationships or human community, one understands why the policies that follow from the theory end up weakening such relationships and community in general.

Election returns and public - opinion studies indicate discontent with some serious imperfections in recent liberal political policies and programs; studies also show that the general population does not want to give up the values of such programs and still wants additional selected government services.

Looking primarily to models based on quantitative research methodologies to provide a clear direction for policy in regulating media and violence can also distract policy makers from coming to grips with other difficult but more important value questions that impinge on the issue of media and violence, such as the purpose of broadcasting, issues of ownership and control of media, the international context of Australian media, the dominant economic nature of most of Australia's social communications, the distinctive ways in which the media reproduce and reconstruct myths and symbols of violence from within the culture, and how audiences use and respond to media myths and symbols.

In such a scenario, it is important for us to reorient our historical agricultural policy framework — from managing shortages to promoting efficiencies and value addition.

Substance abuse occurs in golf as in other sports, and a policy to combat such abuse is of no value if it isn't enforced.

Character Education: Idaho has no specific policy requiring character education; however, Statute 33 - 1612 requires public schools to instill certain basic values, such as honesty and unselfishness, in students.

The Policy sets minimal nutritional standards for such foods and additionally requires local wellness policies to address the following in greater detail: limiting and eventually eliminating the frying of foods; portion sizes; eliminating «for sale» or free foods and beverages that do not meet the state's Nutrition Policy Guidelines; eliminating foods of minimal nutritional value; and programs such as school gardens and farm to school.

Corn subsidies and continued policies that put the value of a buck over the value of a child are why we see such a drastic increase in childhood obesity.

While one should not overestimate such added value, it is a useful platform on which the EU can build its foreign policy.

What Thatcher provided was a sense of direction, a set of values against which such policies could be tested.

These incentives and policy instruments could be financial, but they could also be lighter - touch regulatory and market mechanisms that help SMEs (unlike mechanisms such as auctions that are barriers to small players who do not have corporate back - up and who need to know the value of their product in advance if they are to raise funds).

Ethical Issues We want a society where issues of ethical policy are debated openly and where decisions made on such issues are based on reason, evidence and shared human values.

Tomorrow, Mr Blair will deliver a major speech on foreign policy on how «global values» such as democracy and the rule of law are applied, looking at everything from interventions in Kosovo to a broader policy towards Africa and climate change.

The value of his diaries after 1992 is that they give an insight into one strand of parliamentary euroscepticism, but their downside is that, all too often, we get bogged down with the personality and policy clashes of what now appear to be obscure Conservative parliamentarians, and other major political issues, such as the economy, merely become noises off.

Such collapse in value, he explained, has made it difficult for policy makers to effect change in the society.

suggests that class size reduction policies are not the best option in terms of value for money to raising pupil attainment, compared to others such as increasing teacher effectiveness.

Such a break from Lib Dem traditional values was this that The Independent's sketchwriter Donald Macintyre called the abandonment of its opposition to nuclear power — «a policy it had held to pretty well since before the atom was split» — a «Clause IV moment!»

Things are even trickier with housing where Tory policies such as «pay to stay», Right to Buy for housing association tenants, and forced sales of high value council homes, have all made things worse while claiming to make things better.

Mr. Obama did not either; his re-election campaign said he had «pursued policies that strengthen our security» while «upholding our laws and values» and suggested that he would debate such matters in greater detail after Republicans chose his opponent.

The purpose of the program is to make practical contributions to more effective use of scientific knowledge in government, to educate the scientific communities regarding public policy, and to broaden the perspective of both the scientific and governmental communities regarding the value of such science - government interaction.

And there are many cases in which traditional tools — such as prohibitions and mandates — are essential for achieving specific policy objectives, and nudges might not be of value.

Another major ethical challenge results from the variability in the predictive value of genotypic information and how such information can be used to inform risk management policy when our understanding of risk is inexact.

Thus the very multidimensionality of such scientific concepts is part of their technical imprecision (which is more than just analytical lack of resolution); it is also the source of their resilience and value in bridging (and perhaps reorganizing) the differentiated social worlds typical of modern policy issues.

With that in mind, the NESB called for a new «NPS / Charter / Faith - based Working Group» that would formalize district - charter communication routines and create a forum for addressing a host of issues, such as developing a «set of shared values and indicators of success» for the entire city and advocating for «innovations in policy and practice.»

We policy wonks may see the value in such tests (Brookings has been especially effective in making powerful arguments for keeping them), but parents and the public are fed up.

Such a move exposes the government to less risk, and thus reduces the cost to taxpayers (using fair - value accounting practices that take into account the relative risk imposed on taxpayers by different policies).

School leaders play a critical role in fostering schoolwide activities and policies that promote positive school environments, such as establishing a team to address the building climate; adult modeling of social and emotional competence; and developing clear norms, values, and expectations for students and staff members.

The value in reviewing policies regularly is that, in the event of litigation, such evidence can go a long way in convincing courts that educators are doing their best to be up - to - date in maintaining safe, orderly schools while safeguarding the rights of all in school communities in the face of rapid changes in the world of technology.

«Subtle» aspects of family involvement — parenting style and parental expectations, for example — may have a greater impact on student achievement than more «concrete» forms such as attendance at school conferences or enforcing rules at home regarding homework.144 Some researchers, policy makers, and practitioners argue that these subtle forms of family involvement are not easily influenced by schools.145 In contrast, we argue that the value of creating participatory structures in schools lies in its potential for increasing family and community members «sense of engagement in children «s education, and, as a consequence, augment and reinforce the subtle behaviors responsible for improved outcomes.146

It concluded that «class size reduction policies are not the best option in terms of value for money to raising pupil attainment, compared to others such as increasing teacher effectiveness».

There is no shortage of other ideas that would be productive, such as grounding educator preparation program accreditation in output and performance - based criteria based on the value - added to student achievement by their graduates, a policy that has been advanced in several states and is currently being implemented in Texas.