Sentences with phrase «while term policies»

A major difference between term and permanent life policies is that permanent life policies offer some form of return on the investment while term policies expire without any payout if you outlive the term of the policy.

Permanent policies also accumulate cash value over time, while term policies do not.

Traditional whole - life policies build cash value, while term policies do not.

However, receipt of the death benefit is guaranteed, provided premiums are paid, while term policies typically become too expensive to maintain or run out altogether.

While term policies are appropriate for most life insurance needs, lifetime policies are great for charitable planning and estate planning.

While term policies offer fixed rates for a specific number of years (10, 15, 20, 25, 30), GUL policies are set to specific ages (90, 95, 100, 105, 110, and even 121).

However, while term policies offer fixed rates for a specific number of years, GUL policies are to specific ages: 90, 95, 100, 105, 110, even 121.

While term policies are usually the cheapest form of life insurance, whole life policies offer a number of benefits that policyholders may want to consider, including a guaranteed death benefit, predictable premiums over time, and even dividends that can provide cash or help offset the cost of insurance over time.

While term policies are often less expensive, once the term is over, it can be quite expensive to get a new policy.

While some term policies feature increasing or decreasing premiums and benefits over time, these figures are fixed and won't be adjusted during the life of the term.

While term policies are simple, if you are looking at a permanent life insurance policy for your family, it can be helpful to have a life insurance agent help you customize the policy to your needs.

While term policies are often less expensive, once the term is over, it can be quite expensive to get a new policy.

Permanent policies also accumulate cash value over time, while term policies do not.

The conversion feature is important especially if your parent (s) undergo a serious decline in their health while the term policy is still in force.

To avoid a lack of benefits in case of premature death, many young people opt to buy a whole policy while their term policy is still in effect.

Some policies will allow you to convert any time while your term policy is in force.

Not exact matches

Important factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among other things.

Looser fiscal policy in the near - term while demand is weak with the major cuts pushed to the back of the forecast when economic growth is likely to improve.»

And while investors can profit in emerging markets, they should beware loose - money policies imported from the West and focus on trades in those markets, not long - term investments.

While not - for - profit directors are generally supportive of the federal national disability insurance scheme, there is concern that the policy does not consider the long - term impact of the intended changes.

Translated to a national stage, such policies could create a disconnect between Bush's stated long - term goals of helping the middle class and poorer workers while supporting business, political analysts say.

While the Fed has indicated it plans to raise short - term interest rates, the uncertain domestic and global economies and the still - loosening monetary policy of central bankers in other countries suggests that rates could remain very low for a long time still.

Trump supporters say Clinton deserves to be prosecuted for her handling of U.S. foreign policy as President Barack Obama's first - term secretary of state and for her use of a private email server while in that office.

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.

In terms of assigning blame for the current U.S. economic malaise, 8 % of the respondents finger Obama's perceived «high spending, high regulation policies,» while others looked beyond the current administration.

The policy rationale is that if a company believes the tax relief would be temporary, it would make short - term investments to maximize benefits within the window while eschewing long - term investment that could reap benefits in the longer - term.

Genworth Financial (GNW), which provides life and long - term care insurance, screwed up a while back when it began selling policies to cover medical expenses in old age: It did not charge nearly enough for them.

Ryan said that while the issue won't be addressed in the short - term, he stressed the need to address them in the future because they are «going bankrupt,» a characterization disputed by some policy experts.

Some term policies guarantee their rates only for the first year of the policy, while some rates last for decades.

While there are a lot of tricky terms used in the world of investing, the concept behind the Investment Policy Statement should be fairly easy to understand.

«The launch of a unified Oath privacy policy and terms of service is a key stepping stone toward creating what's next for our consumers while empowering them with transparency and controls over how and when their data is used,» Oath said in a statement.

While the term «robo - advisor» has been used to describe advisors who supplement their services with asset allocation algorithms, Massachusetts» policy statement applies primarily to «fully automated» robo - advisors «devoid of all human services.»

While they're purchased together, each portion of the policy has its own terms and is somewhat independent.

A «real budget «would put aside optics and ideology and undertake a review the government's fiscal policy and ask how it could be adjusted to strengthen economic growth and job creation, while maintaining a sustainable fiscal structure over the medium term.

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

While inflation - targeting regimes share a number of similarities, most importantly the focus on an inflation rate as the objective of monetary policy, there are a number of differences in terms of their practical implementation.

While there are some signs of recognition such as the Fed's reduction in its estimated neutral rate from 4.5 percent to 3.0 percent during the last 2 years, the IMF's explicit use of the term secular stagnation in its World Economic Outlook, ECB president Mario Draghi's call for global coordination and greater use of fiscal policy, and Japan's indicated interest in fiscal - monetary cooperation, policymakers still have not made sufficiently radical adjustments in their world view to reflect this new reality of a world where generating adequate nominal GDP growth is likely to be the primary macroeconomic policy challenge for the next decade.

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.

A guaranteed universal life insurance policy might be four times the cost of a term policy with similar coverage, while a whole life policy could easily be 10 times the cost.

Second, a «sustainable» fiscal policy is one that supports economic growth, while ensuring that the debt burden declines over the medium term.

«While health care spending is a key programmatic and policy driver of the long - term outlook on the spending side of the budget, eventually, spending on net interest becomes the largest category of spending in both the 2016 Financial Report's long - term fiscal projections and GAO's simulations.»

While the regime seems likely to remain stable in 2018, the struggle for power and assets among the political elite will continue to escalate, and economic and foreign policy challenges create long - term uncertainty.

Please understand that while using third party services, you will fall under the terms and conditions of their privacy policy and not ours; for further details on how the third party will use your information, please see the theirprivacy policy.

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).

The Board believes that this leadership structure improves the Board's ability to focus on key policy and operational issues and helps the Company operate in the long - term interests of shareholders, while maintaining a strong, independent perspective.

When the financial crisis hit the markets in 2008, the Federal Reserve embarked ultra easy monetary policy, which included cutting short - term interest rates to effectively 0 % while suppressing longer term interest rates through the purchases of long term Treasury debt and mortgage - backed securities — a program informally referred to as quantitative easing.

These objectives allow the Reserve Bank Board to focus on price (currency) stability while taking account of the implications of monetary policy for activity and, therefore, employment in the short term.

While the policy allows for access to the account value in the short - term, through loans and withdrawals, there are costs and risks associated with those transactions.

The best solution to both these problems would be a grand bargain that limits the growth of debt over the long term while trimming the immediate deficit just enough to show that policy is heading in the right direction.

In basic terms, mortgage life insurance pays off your mortgage balance if you die while the policy is in effect.