44 states have laws protecting the policies
from creditors' claims, such as lawsuits, that can wipe out bank accounts, mutual funds, and brokerage accounts.
Holding: This court finds that the Colorado Supreme Court would reasonably decide, based on existing case law, that A has an insurable interest in the employees insured under the P policies
considered for purchase by life settlement companies must meet certain eligibility requirements, such as:
These entities typically purchase policies
using funds invested by large banks or financial companies as opposed to drawing on cash fronted by a loose organization of private investors.
As this potential arbitrage market has grown, there appear to be more entities wishing to create life settlement pools than there are policies
available to fill them.
In January 2001, President Bush created the White House Office of Faith-Based and Community Initiatives (OFBCI); in December 2002, he signed an executive order directing federal agencies to formulate and develop policies
to ensure "equal protection" for faith-based organizations competing for government contracts, thereby allowing organizations to compete for federal funds while maintaining their specific religious perspective (Office of the President 2003).
can be developed for general communication and/or for specific areas such as financial communication or legal communication.
When was the last time you checked your insurance policies
to make certain all of the individuals and other legal entities that should be shown as Named Insureds are correctly listed?
and a list of all policies
with key terms will be generated.
The lack of coherence and integration of the policies
and legislation that provide for career counseling at governmental levels reflects what has been called an uncoordinated mosaic of efforts (Herr, 1991) rather than an integrated agenda of legislative initiatives directed to addressing career needs of populations across settings and across the life span.
If you help clients assess the risk associated with purchasing different policies
, you need to look at three key centers of expenditure that can affect premium prices or the policy's cash value: mortality charges, company expenses and sales load.
SNIA defines storage-related policies
as "the measurable, enforceable, and realizable specification of methods, action and/or desired states that meet service requirements in an storage-based information infrastructure.
Initiated in state or federal courts, these lawsuits have resulted cumulatively in case law that directs law enforcement agencies to develop pursuit policies
At the most extreme end of the spectrum lies an organization like the Employment Policies
Institute, which was started by a group of restaurant companies and gets most of its annual budget from corporate sources.
Squabbles over the National Endowment for the Arts have made many Americans suspicious of the arts; K-12 arts education has been cut dramatically; virtually all grassroots and alternative arts organizations are struggling to survive; the costs of museum construction have skyrocketed, as has the price of art for acquisition, with little public support for necessarily increased budgets; museum programs are increasingly dictated by funding from private and corporate sponsors; and even the most basic information about the arts and about cultural policies
is unreliable and uncoordinated.