Sentences with phrase «issue insurance rates»

Sample Guaranteed Issue Insurance Rates by Age and Gender 6.

Sample Guaranteed Issue Insurance Rates for a 65 - Year - Old in Poor Health 8.

Not exact matches

Those federal rules, which double down on restrictions adopted in 2014 and stern warnings to lenders issued by OSFI earlier this summer, require banks to qualify borrowers at higher interest rates, impose additional limits on mortgages for buyers with small down payments, and compel financial institutions to share the risk by taking out insurance policies on low - ratio mortgages.

Fitch Ratings published a report Wednesday noting that blockchain can be a long - term solution to issues facing the insurance industry today.

As savers, pension funds and insurance companies sought relief from the pain of low interest rates, the issue now is «whether they ended up taking up risks that were greater than they realized,» said Donald Kohn, the Fed's former vice chairman under Bernanke.

Variable Rate Demand Note Inventory and Remarketing PNC has a portfolio which approaches $ 8 billion and includes issues enhanced by letters of credit from investment grade commercial banks and insurance companies with bank liquidity facilities.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

But Romneycare's combination of guaranteed issue + community rating + health insurance purchase mandate is, along this dimension, virtually the same as Obamacare.

The result was that when the candidates attacked Mitt Romney's health care law (which, like Obamacare included guaranteed issue, community rating, coverage mandates, subsidies, and a health insurance purchase mandate), Romney could easily dodge the questions.

He cared enough about the issue to study and construct an in depth argument about the many similarities between Romneycare and Obamacare like guaranteed issue, community rating, government - imposed coverage mandates and of course the insurance purchase mandate.

However, by ruling out changes to the rates of National Insurance Contributions (NICs) in relation to employment and self - employment, the Government are denying themselves many of the tools they need to tackle the issues Taylor identified around employment status.

This discrepancy combines with hunger ~ illness (and a lack of health insurance) ~ mobility and other issues that impact disadvantaged students at a much greater rate than their wealthier peers to form a large opportunity gap.

From finance, health, home and IT to lifestyle, legal issues and travel, the National Education Union member benefits programme includes special rates on motor and home insurance, mortgages, independent financial advice and a job finding service.

Though the April auto issue is printed and on newsstands now, the magazine has also pulled its «recommended» ratings from the Hyundai Elantra, Mazda3, Honda Element, Mitsubishi Outlander, Suzuki Grand Vitara and Nissan Altima, all because of poor performance in Insurance Institute crash tests.

HLDI first reported on reductions in claim rates for Volvo's low - speed autobrake system, City Safety, in 2011 and began noting benefits for higher - speed systems in 2012 (see «Volvo's City Safety prevents low - speed crashes and cuts insurance costs,» July 19, 2011, and Status Report special issue: crash avoidance, July 3, 2012).

However, the safety issues of the Montana were addressed with the newer Montana SV6, which earned the highest rating of «Good» given by the Insurance Institute in the frontal offset crash test.

While comparing models in our spreadsheet, we looked at each model's projected fuel - economy ratings from the Environmental Protection Agency and compared crash - test ratings issued by the federal government's National Highway Traffic Safety Administration and the insurance - industry - sponsored Insurance Institute for Highwainsurance - industry - sponsored Insurance Institute for HighwaInsurance Institute for Highway Safety.

Rated policy: An insurance policy issued at a higher premium rate than standard because of undesirable lifestyles or health conditions.

You also should know that, because credit scoring for California renters insurance isn't an issue, rating factors such as length of residency and exact location play a stronger factor in how the policies are priced.

Gerber Life's rates for accidental death and dismemberment insurance are relatively low compared with other insurers, particularly if you're older or have any health issues.

In addition, Gerber's rates for term life insurance are significantly higher than those available elsewhere for simplified issue policies.

All contract guarantees, including optional living and death benefit riders and annuity payout rates, are backed by the claims - paying ability and financial strength of issuing insurance company.

All contract and rider guarantees, including optional benefits and annuity payout rates, are subject to the claims paying ability and financial strength of the issuing insurance company.

But Adam Mitchell, president of Mitchell and Whale Insurance Brokers, sees a larger issue with using credit scores when rating an insurancInsurance Brokers, sees a larger issue with using credit scores when rating an insuranceinsurance policy.

Unless you always pay your balance in full (in which case you would not be financing) the interest rate you will be charged for credit will be as high as 20 %, let alone other charges and fees like insurance, issuing costs, etc..

We collected homeowners insurance rates across the ten most populous cities in Louisiana (excluding Bossier City, due to issues collecting comparable quotes within the city).

MYGAs are issued by insurance companies instead of banks and typically offer higher guaranteed interest rates, as well as the ability to be converted into a lifelong stream of income.

The crediting / rate of growth of the contract is typically set annually by the insurnce company issuing the contract and the contract is guaranteed by the underlying insurance company.

For both fixed and adjustable rate HECM loan options, the mortgage insurance issued by the Federal Housing Administration (FHA) 3 protects borrowers from ever having to repay more than what their house is worth.

While a large number of insurers offer simplified issue life insurance policies, Sagicor is a great choice as they offer competitive rates and some of the highest death benefits.

Though Sagicor's simplified issue term life insurance rates aren't the absolute cheapest, they do offer lower premiums than many of the top insurers.

This insurance allows lenders to issue FHA loans requiring very small down payments and at low rates.

If you decide at some point in the future that you need to take out a new policy, you may have to pay a much higher premium as insurance companies base their rates in large part on your age on the date of issue.

Fixed annuities are tax - deferred * retirement vehicles issued by insurance companies that grow at a guaranteed rate and offer you the opportunity to turn some or all of your savings into guaranteed income payments for life, or for a set period.

Mutual of Omaha also offers competitive rates for guaranteed issue whole life insurance, as well as a wider range of death benefits.

Insurance and Drinking: If you do not have any drinking issues, you can benefit from lower insurance rates — otherwise your premiums can increase by upInsurance and Drinking: If you do not have any drinking issues, you can benefit from lower insurance rates — otherwise your premiums can increase by upinsurance rates — otherwise your premiums can increase by up to 50 %.

Until an insurance policy is approved and issued your actual rate may be subject to change.

But along with all of this fun in the sun, locals have to pay attention to how local rules and issues affect the rates that Santa Monicans pay for insurance.

If a policy is issued to you, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company.

Please consider that even no medical life insurance has several sub-types (meaning different levels of protection and insurance rates) such as Simplified Issue Life Insurance Plans and Guaranteed Issue Life Insuraninsurance has several sub-types (meaning different levels of protection and insurance rates) such as Simplified Issue Life Insurance Plans and Guaranteed Issue Life Insuraninsurance rates) such as Simplified Issue Life Insurance Plans and Guaranteed Issue Life InsuranInsurance Plans and Guaranteed Issue Life InsuranceInsurance Plans.

The cap rate poses a major issue because when index funds posted returns in excess of 30 % In 2013, the insurance company would've only paid you a maximum of 15 %.

• Earnings potential The issuing insurance company may guarantee a minimum growth rate on the cash value of the policy in some cases.

The commercial targets people between the ages of 50 and 85, and promises them affordable guaranteed issue life insurance with a rate lock («Your rate can never increase for any reason.»).

A portion of your premium will be applied to the policy's cash value and grow at a minimum rate guaranteed by the issuing insurance company.

Over the years, Rick has become somewhat of an expert on many of the issues Canadian snowbirds face — preparing annual budgets, watching the value of the loonie carefully to see if this year they'll have a favourable exchange rate and making sure they have enough travel medical insurance to make their trips carefree.

Insurance policies can be issued to individuals with sub-standard risk and are referred to as table rated or modified.

Even if you have any complicated health issues, several options are open to you e.g. you can get a life insurance policy without medical exam (low coverage and higher costs) or decide to go with rated standard term life insurance which comes with a bit higher price tag.

We collected homeowners insurance rates across the ten most populous cities in North Carolina (excluding Wilmington, due to issues collecting comparable quotes within the city).

You can further protect yourself by sticking to annuities issued by insurers that get high financial strength ratings from companies like A.M. Best and Standard & Poor's, by spreading your money among two or more highly rated insurers and by limiting the amount you invest with any single insurance company to the maximum coverage offered by the state insurance guaranty association in your state.

In the July 2017 issue of Best's Review, Standard Insurance Company was recognized for maintaining an «A» rating or higher from A.M. Best Company since 1928.