Sentences with phrase «acts as an insurance policy»

But some retirement specialists believe annuities have their place because they offer peace of mind: They act as insurance policies that protect retirees from outliving their income.

Investors are looking for evidence that the White House economic adviser or Federal Reserve chairman can act as an insurance policy against a trade war.

This acts as an insurance policy in the event that you're not able to pay the loan back.

But even more importantly, aside from being a long - term store of value, gold is a hedge — a form of money that acts as an insurance policy against a dangerously overleveraged financial system.

The commercial yeast acts as an insurance policy of sorts here.

These swaps essentially act as insurance policies for credit risk.

The «protective put» acts as an insurance policy, protecting against loss below $ 24 in this case (taking into account the $ 100 premium paid to buy the put).

Barnacle SEO acts as an insurance policy.

Not exact matches

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

While it's always recommended that families meet with a financial advisor to decide what level of life insurance protection would benefit them the most, a supplemental policy could act as a financial safety net, providing much needed normalcy during a very difficult time.

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Before joining DFAIT, he worked at the Department of Finance, including from 1983 - 1990 with the Financial Sector Policy Branch where he served as Project Director, Financial Institutions Reform Project, and chaired the Inter-Departmental Legislative Review Committee, which guided the development of the 1992 reforms that overhauled the federal financial institutions statutes (the Bank Act, the Insurance Companies Act, the Trust and Loan Companies Act and the Cooperative Credit Associations Act).

We can think of abortion acting as a type of insurance policy for teenage sexual activity in the same way that a car insurance policy covers theft etc..

Funny thing, there is not «act of God» in insurance policies as I had previously believed, so at least from a legal standpoint, God doesn't exist.

In an older day, insurance policies used to express this idea when they spoke about natural catastrophes and other such happenings as «acts of God.»

Insurance policy: $ 1,000,000 Excess General Liability Insurance (while acting in the capacity as an official)

As of Aug. 1, 2012, the Affordable Care Act is supposed to cover the cost of some breast pumps, but because the law's wording is vague, insurance policies differ in what's covered.

Members then passed the Comprehensive Contraception Coverage Act, which would require all health insurers provide cost - free contraceptive coverage as a part of their insurance policies, by a similar margin.

The Indigent Care Pool (ICP) was created under the 1996 Health Care Reform Act as a means of reimbursing hospitals for care provided to patients without health insurance, using funds raised by the state's taxes on health insurance policies along with federal aid.

«First, significant reduction of deprivation can be attained by implementing new policies related to health insurance coverage, such as through the Affordable Care Act; improving high school completion rates, especially among Hispanics; and constraining housing costs.

Topics to be discussed include: Court Procedure: An understanding of the civil litigation process in New Jersey as it pertains to negligence claims; Damages: Understanding the standards for, and the differences between Compensatory and Punitive Damages; Facility Maintenance: Identifying potential safety hazards related to facilities and grounds, and taking reasonable steps to address common problems; Indemnification: Identifying when the school district is responsible for the actions of its employees, and when it may disclaim coverage; Insurance Coverage Issues: Understanding what is, and is not covered under a school district's insurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school dInsurance Coverage Issues: Understanding what is, and is not covered under a school district's insurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school dinsurance policy, and understanding whether your district will be allowed to choose its attorney or be required to utilize the attorney assigned by the Insurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school dInsurance Company; Negligent Supervision: Examples of school district negligence liability lie within the school, on the athletic field, in the locker room, and on school trips; Sovereign Immunity: Understanding the effect of the New Jersey Torts Claims Act on negligence claims against school districts.

For over a decade now, test - based accountability has acted as a sort of insurance policy to make sure disadvantaged and struggling students are not ignored.

The logic goes that the main selling point of whole life insurance — that you get an insurance policy along with a cash - value component that acts as forced savings — is actually a poor decision, and you'd be better off buying a cheaper term life insurance policy and investing the money you save elsewhere with a better return and lower fees.

As a result, congress passed a few different acts to squash these tax shelters, and prevent people from using life insurance policies as a short term savings vehiclAs a result, congress passed a few different acts to squash these tax shelters, and prevent people from using life insurance policies as a short term savings vehiclas a short term savings vehicle.

The Homeowners Protection Act (HOPA), also known as the «PMI Cancellation Act», is a federal law passed in 1998 that gives homeowners the right to cancel a mortgage insurance policy once equity requirements are met.

Some policies even act as the primary coverage for hosts and landlords, such as Airbnb's Host Protection Insurance.

Of course, unpaid life insurance premiums can eat up the cash value; however, this objection is nonsense because this is a function of how the policies work and actually acts as a benefit.

This acts the same way as disability insurance, so some shoppers choose to add it as a rider to their life insurance and avoid buying a second policy to protect against disability.

«Controlled substance» on a renters insurance policy has the same meaning as that defined in the Controlled Substances Act, 12 USC Sections 811 and 812.

Acts of war or acts of God such as earthquakes or floods are typically excluded from standard homeowner's insurance policies.

First - to - die life insurance is much like a traditional life insurance policy, acting as a replacement for income after a spouse dies.

This acts similar to disability insurance, so some shoppers choose to add it as a rider to their life insurance instead of buying a second policy to protect against disability.

While these two types of life insurance can act as a backup plan if you can't get term life insurance, there's a really good chance that you'll find a term life insurance policy that fits your needs and risk factors.

FACT: No, there is no such thing as an Act of God exclusion in home insurance policies.

Believe it or not but damage caused by intentional acts — such as vandalism or a criminal act — or often excluded from coverage under a homeowner's insurance policy.

Like many travel insurance policies, certain occurrences are excluded — in particular, things that aren't accidents like suicide, or injuries sustained as the result of «acts of war» or a riot you were participating in.

When using a credit card to pay for a rental car, one of the biggest advantages is the included rental insurance that comes with some credit cards, which acts as secondary coverage to your own auto insurance policy.

This policy document illustrates how well - designed climate risk insurance — when applied in conjunction with other disaster risk management measures and strategies — can protect people against climate shocks by acting as a safety net and buffer shortly after an extreme weather event.

In fact, there is a plan, proposed by many folks including myself and even at least one Congressman, that would act as a low - cost insurance policy.

Between these two extremes is a reasonable, balanced middle position, which is: We're not certain exactly what the effects of climate change will be, but the potential risks are large, so it's worth hedging our bets by acting to reduce emissions as an «insurance policy.»

That permits the avoidance of double recovery through the deduction of state benefits, such as under the Social Security Recovery of Benefits Act 1997 and it also takesinto account any interim payments made under a victims comprehensive policy of insurance.

BACKGROUND: One of the major objectives and coverages of the Insurance Act (Act), the Automobile Accident Insurance Benefits Regulations (AAIB) and automobile insurance policy forms is income replacement for those that are disabled as the result of injuries sustained in automobile aInsurance Act (Act), the Automobile Accident Insurance Benefits Regulations (AAIB) and automobile insurance policy forms is income replacement for those that are disabled as the result of injuries sustained in automobile aInsurance Benefits Regulations (AAIB) and automobile insurance policy forms is income replacement for those that are disabled as the result of injuries sustained in automobile ainsurance policy forms is income replacement for those that are disabled as the result of injuries sustained in automobile accidents.

However, if a policy does not specify a limitation period (or has a limitation period that is offside the Limitation of Actions Act), and the policy falls within the purview of the Insurance Act as a policy for life or disability insurance, an insured's claim will have a one - year limitation period as set out in the InsuraInsurance Act as a policy for life or disability insurance, an insured's claim will have a one - year limitation period as set out in the Insurainsurance, an insured's claim will have a one - year limitation period as set out in the InsuranceInsurance Act.2

For the reasons given by the Court of Appeal, we are all of the opinion that the exclusion from the insurance policy based on art. 2402 of the Civil Code of Québec may not be set up against the heirs of the insured, as that article must, even in light of s. 34 (1) of the federal Interpretation Act, R.S.C. 1985, c. I - 21, be interpreted having regard to the principles of interpretation that apply in the area of insurance law so as to favour the precision and certainty of the grounds for exclusion in such matters.

@TimLymington Actually, your answer quotes the law as saying: «a person must not use a motor vehicle... unless there is in force... a policy of insurance that complies with the requirements of this Part of this Act» So, if someone buys an insurance policy that is deficient, the driver is an uninsured motorist in violation of Section 143 of the Road Traffic Act but the insurance company's obligation is not expanded.

As an example, my car insurance will cover all damage caused to third parties where I or somebody named in the policy was driving unless (i) there is other insurance covering the same liability (ii) the victim was working with or for me (iii) acts of terrorism or (iv) liability caused by cutting, welding or use of blowtorches.

The court upheld the trial judge's allocation — even though it was done as a lump sum under multiple benefit categories — because she adhered to the policy objective set out in the Insurance Act of avoiding double recovery.

The motion judge held that the provision in the policy limiting coverage to claims made within one year of the loss did not override the statutory two - year limitation period set out in s. 4 of the Limitations Act, 2002, S.O. 2002, c. 24 lacked specificity to override the statutory limitation period and that in any event, the contract of insurance was not a «business agreement» as required under s. 22 (5) of the Limitations Act, 2002.

The Ontario Insurance Act defines «automobile» as either (a) a motor vehicle required under any Act to be insured under a motor vehicle liability policy, or (b) a vehicle prescribed by regulation to be an automobile.

Marc Mayerson of Insurance Scrawl has good news for companies being sued for violations of the Telephone Consumer Protection Act (colloquially known as blast faxers): Your insurance policy will likely cover defense costs — either both the property damage or advertising - injury Insurance Scrawl has good news for companies being sued for violations of the Telephone Consumer Protection Act (colloquially known as blast faxers): Your insurance policy will likely cover defense costs — either both the property damage or advertising - injury insurance policy will likely cover defense costs — either both the property damage or advertising - injury coverage.