Sentences with phrase «year over a policy term»

Even for the smallest claim you make, you lose the distinct advantage of the No Claim Bonus (NCB)-- the bonus accrued for every consecutive «claim - free» year over the policy term.

o Option C - Loan Protection: Under this payout option, the sum assured reduces every year over a policy term.

Not exact matches

Founded only in 2008 but measured earlier this year as the third-most valuable venture capital - backed group in the world at over $ 25 billion, Airbnb also said it would help prevent its service from causing housing shortages by «ensuring hosts agree to a policy of listing only permanent homes on a short - term basis».

One of the reasons the IMF has changed its tune on fiscal policy is because research it has done in the past year shows that borrowing to pay for infrastructure pays for itself over the longer term by generating faster economic growth.

[2] Each quarter in the Statement on Monetary Policy, we publish forecasts for Australia's major trading partners» GDP growth, as well as Australia's terms of trade, GDP growth, unemployment rate and inflation over the next two - and - a-half years.

Over the months and years ahead, I will continue to advocate a monetary policy that promotes price stability, without which long - term economic growth will not be possible.

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.

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.

With growth prospects for the world economy being revised up and inflation no longer falling, short - term market interest rates have risen on the expectation that central banks will unwind the accommodative monetary policy they had put in place over the previous year or two (Graph 4).

Based on the near - term outlook for real rates, as well as uncertainty over Brexit, rising populism in Europe and Trump's trade and foreign policies, Metals Focus analysts see gold testing $ 1,475 an ounce this year.

This sets them apart from term life policies, which offer coverage that is designed to insure your income earning years and end naturally when the term is over.

Seniors over 80 typically won't qualify for term life insurance policies over 10 years in length, however, you can still qualify for permanent coverage.

The only restriction is that you typically won't be able to find a term life insurance policy that lasts over 20 years.

This is according to the Daily Telegraph who also state that the deal is a 4 year contract, which I am personally quite surprised at given Vardy's age and the club's usual policy of not offering long term deals to those approaching 30 or over 30 years old.

In line with Wenger's policy of not giving long term contracts to players over thirty I suspect that Thomas, who is twenty - nine, has been given only a two year extension.

Over the first year of the Policy Council, we began working with many associations and corporations to build microsites that put their best foot forward in terms of their advocacy messaging to Congress.

With time running out, Congress today easily approved a short - term spending bill that would prevent a partial federal government shutdown over the weekend, but departed in advance of the president's first 100 day milestone (tomorrow) with addressing two of his top policy priorities: health care and a year - long budget deal.

The Chancellor's commitment to protect the Science Budget in real terms over the life of this Parliament is a positive first step but sadly does not go far enough to compensate for the # 1 billion lost to the research base over the past five years due to the Government's flat - cash policy.»

Over the last 10 - 15 years, this attitude has seemed to decline sharply on both sides of the aisle, along with a rise in violating long - standing traditions and long - term trust for short - term policy victories.

ENDS Notes to Editors UK Alcohol duty context For a short video summary of the issues around alcohol pricing, please visit: https://vimeo.com/191959217 Following heavy lobbying from the alcohol industry, the last four Budgets have seen real terms cuts in alcohol duty Alcohol is 60 % more affordable than it was in 1980 — the alcohol duty escalator, introduced in 2008, which ensured that duty rose above inflation, helped mitigate this trend, but this progress has reversed since the duty escalator was scrapped in 2013 In real terms, spirits duty has halved, and wine duty fallen by a quarter since 1978 - 9 The Government estimates suggest that the duty cuts since 2013 will cost the Exchequer # 2.9 billion over four years The University of Sheffield estimated that an additional 6,500 people would be hospitalised each year as a result of the alcohol duty cuts in 2015 The report The report was peer reviewed by academic experts the fields of economics, public health and public policy prior to publication.

He contended that the policy helped decrease crime in the city over the years, a drop that mainly took place during Bratton's first term under former Mayor Rudy Giuliani.

He noted that another crucial aspects of Ghana's foreign policy objectives was the pursuit of economic diplomacy; stating that «Ghana's international relations over the years in terms of bilateral engagement as they relate to our economic diplomacy agenda had been varied across political dispensations.

After facing questions over his lack of a second term agenda, Gov. Andrew Cuomo's re-election campaign released a 245 - page policy book on Thursday that outlines a series of issues he would seek to tackle in the next four years.

Under the terms of the agreement, a monitor who has been chosen jointly by the county and the DOJ will perform periodic reviews over the next three years of the Correction Department's policies and procedures, which will include site visits and meetings with staff, care providers and inmates.

Over the long term, he worries that climate skeptics in the policy world, after dismissing climate change as a risk in recent years, could later change positions and say it was real, embracing climate engineering «as this magic solution that could solve the problem.»

«The eventual long - term warming after stabilization remains rather uncertain, but for most policy decisions, the transient response over the next 50 - 100 years is what matters.»

Over the last several years, I've spent a fair amount of time defending the Common Core State Standards (CCSS) in my role as a senior fellow with the Thomas B. Fordham Institute, an education - policy think tank in Washington, D.C.. Now, given president - elect Trump's pledge to «end Common Core,» which he terms «a disaster,» I expect many more opportunities to defend high standards, at least for the foreseeable future.

Mr Clegg is quoted as having said: «It would be a good thing if the Liberal Democrats were able to run education policy on our own terms, not least because we are the only party that is prepared to give the schools, colleges and nurseries the means that they need to absorb 400,000 new youngsters over the next five years.»

It should be noted, though, that we as a nation have been relying upon similar high - stakes educational policies since the late 1970s (i.e., for now over 35 years); however, we have literally no research evidence that these high - stakes accountability policies have yielded any of their intended effects, as still perpetually conceptualized (see, for example, Nevada's recent legislative ruling here) and as still advanced via large - and small - scale educational policies (e.g., we are still A Nation At Risk in terms of our global competitiveness).

According to the National Council of Teachers of English, «Well over a decade into federal education policy that endows significant consequences to single tests of student achievement too late in the academic year to lead to any action, teachers might be pleased that the term «formative -LSB-...]

Recent studies have also demonstrated this marked increase over the last few years (see another forthcoming with my former doctoral student Clarin Collins in Teachers College Record), but this article in the Huffington Post provides a decent graphic illustrating where the nation currently is in terms of these initiatives / policies.

Over these past two years, we have shined a hot lamp on the problem — political handwringing, using yesterday's funding levels to solve tomorrow's challenges, expecting state and local governments to place big bets when the national government won't make long - term commitments, and applying 20th century policy to a 21st century context.

For example, it is important to realize that a twenty year term policy does not increase in value over time.

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.

Term policies can range from 5 years to 35 years in length and can provide over $ 1 million in death benefits.

An alternative LTC insurance product that has gained n popularity over the last few years is hybrid long term care life insurance combination policies.

Introduced over the last few years, long - term care life insurance is a hybrid policy.

Over the course of 40 years, he could save $ 45,144 by getting term insurance, even though his premiums increased significantly when purchasing a new policy.

But, for example, if your premium for a 20 - year term policy is only $ 250 as opposed to $ 500 for the no medical exam option, you would save $ 5,000 over the course of the policy.

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.

This sets them apart from term life policies, which offer coverage that is designed to insure your income earning years and end naturally when the term is over.

But the designs for these policies have largely stabilized over the past five years, due in part to the increased popularity of combination products, such as annuities and life insurance long - term care rider options.

For instance, 10 - year term policies for $ 500,000 of insurance for a 35 - year old male smoker in Ontario have annual premiums ranging from just over $ 500 to more than $ 1,000, depending on which insurer you choose.

If you save that money each year, and invest it even modestly, you will have control over the money for the entire term of the policy.

With this policy, the policy owner does have the option of converting the term life insurance policy over to a new permanent life insurance certificate — without having to prove evidence of his or her insurability — until the earlier of the certificate anniversary on which the insured is age 65, or 5 years prior to the end of the initial term period.

A 20 year term policy costs $ 495 a year while a whole life policy costs over $ 6550 a year.

After 20 years, the term policy cost you a total of $ 9900 while you've shelled out over $ 121,000 for the whole life policy.

Over a comparable period of time, a healthy 30 - year - old male would pay $ 564 per month for $ 500,000 of whole life coverage when he could be receiving $ 500,000 of coverage for $ 24 per month with a term life policy.

What makes a short term universal policy great is the ability to pay for a lifetime of insurance over a short term, usually 10 - 15 years.

2) Time is running out — rapidly rising long - term inflation expectations indicate that the average investor does not trust monetary policy to succeed over the next 20 + years.