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"This is a real issue for clients who own variable policies," said Loretta Nolan, president of Loretta Nolan Associates, a certified financial planner in Old Greenwich, Conn.
Given these concerns, our finding that the majority of ICUs had restrictive and highly variable policies is not surprising.
Furthermore, variable policies were applied in these studies for the use of non-calcium-based phosphate binders, low calcium dialysate, active forms of vitamin D [ 17] and oxygen therapy [ 21, 23, 25].
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For example, if you have a $500,000 variable policy, you might buy $300,000 of term insurance and trim your variable policy to $200,000, keeping your total premiums affordable.
If you lost $30,000 in the variable policy, for example, your first $30,000 of gain in the annuity would be tax-free.
But if you see the variable policy chiefly as an investment loss — and don't need the insurance — you might want to exchange it for an annuity, said Glenn Daily, a fee-only insurance consultant in Manhattan.
Results provide insight into how ecosystem concerns are addressed by variable policy approaches in multi-ownership landscapes, an important consideration to recovery-planning efforts for threatened species.
A variable policy invests the cash value in the stock market.
Still, many critics argue that the budget deficit is a "policy variable" — something policy makers can control — whereas the trade deficit is set by free markets.
Here A is the Jacobian matrix (coefficients of the endogenous variables of the model), X represents the matrix of endogenous variables (prices and quantities) while the right-hand side matrix denotes the exogenous variables (policy shocks).
NASD said yesterday that Lerner would pay $350,000 and be suspended from selling variable insurance and annuity policies for 30 days.
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