Sentences with phrase «additional amounts of insurance on»

With this rider an insured has the right to buy additional amounts of insurance on specific option dates without evidence of insurability, at standard rates.

This coverage allows the policy owner to purchase additional amounts of insurance on the life of the insured person without evidence of insurability up to a maximum of 5 times.

Not exact matches

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.

The bi-weekly deduction cost for this additional life insurance is based on age and amount of coverage.

A: A larger down payment might help you qualify for a lower mortgage rate, and it certainly can help you avoid the additional expense of mortgage insurance on an FHA loan, not to mention the additional interest you would pay by financing a larger amount.

With an FHA - backed loan, for example, your cost for mortgage insurance would be 1.75 % upfront on the loan amount (it's often added to the loan amount and financed), and an additional 0.85 % of that amount annually for the life of the mortgage.

With GICs and deposits you also have the additional protection of deposit insurance on amounts up to $ 100,000 if your financial institution goes bankrupt.

You can finance the cost of the insurance, paying an additional amount on top of your mortgage payment, you can pay the insurance premium in one lump sum each year, or you may be able to set up separate monthly payments with the lender or the private mortgage insurance company.

Based on these lost future earnings and his additional surgeries, the lawyer was able to negotiate a settlement that was over six times the amount of the offer from the defendant's insurance carrier.

Depending on the facts and circumstances surrounding your case, the applicable law, and the language of your insurance policy, you may be entitled to sue them for the original amount of benefits that you were seeking, plus additional damages, including attorneys fees, and the costs of filing suit.

Since this only covers accidental death and does not cover natural causes (such as heart disease, stroke, or cancer), this life insurance rider is best purchased when the insured is maxed out on the amount of life insurance they can qualify for and he or she need some additional coverage.

You can always supplement your life insurance with an additional policy later on for a smaller amount of money and a shorter term.

* The Accident Rider offers an additional cover for a death caused due to an accident above the base insurance plan, by summing up a small amount of the premiums on the base premiums.

Depending on the amount of insurance and your health history, a request will sometimes be sent to your personal doctor (s) asking for additional information from your medical records.

A policy add - on that will have the Insurance Carrier pay out an additional benefits — up to the full amount of the death benefit — if either the insured's death is the result of an accident or loses a limb or digit because of an accident.

Buy additional amounts of insurance, on specific option dates, without a medical exam, at standard rates.

Furthermore, if a claimant is an insured under the underinsured motorist coverage on separate or additional policies, the limit of underinsured motorist coverage applicable to the claimant is the difference between the amount paid to the claimant under the exhausted liability policy or policies and the total limits of the claimant's underinsured motorist coverages as determined by combining the highest limit available under each policy; provided that this sentence shall apply only to insurance on nonfleet private passenger motor vehicles as described in G.S. 58-40-15 (9) and (10).

If you then totaled the car without having gap coverage, you wouldn't have any coverage on the additional amount you owe on the lease because the regular insurance premium would only cover the cash value of the vehicle.

Oftentimes the accelerated death benefit is automatically included on certain types of life insurance policies for free or for just a small amount of additional premium payment.

In most cases the full amount of premium that you have paid to the life insurance company will be returned in full and in some cases additional interested will be added on to the refunded amount.

This is because it will «add - on» benefits to an existing life insurance policy, allowing the beneficiary to receive an additional amount of proceeds, which can sometimes even double the amount of the original life insurance policy.

PNB MetLife critical illness rider when opted for in your life insurance plan, provides payment of an additional amount on the diagnosis of as many as 10 critical conditions, along with offering a cover at the time of death.

These include taking it in cash (by receiving a check from the insurance company), using it to purchase additional amounts of insurance coverage on your policy, and / or by adding the amount of the dividend to the policy's cash value component.

Even with this type of car insurance, the insurance company may only pay a depreciated amount which means you will need an additional rider on the policy called GAP insurance to pay for the difference between cash value and the amount owed on the loan.

Level term insurance rider: Gives clients the option for additional, convertible level term insurance on the person insured under the base amount of the policy.

Terminal Bonuses: A discretional additional amount of money added to payments made at the due date of an insurance policy or on the death of an insured person.

These reasons for a change in the face amount can include additional paid up insurance bought with dividends, a face reduction for the purpose of saving money on insurance costs, and having an increasing death benefit based on cash value.

In some instances (particularly with older models) it may be that the car is not severely damaged when a total loss is applied to it, and while it may be uneconomic for the insurer to pay for repairs the policy holder may choose to pay an additional amount on top of the replacement cost benefit provided by their insurance company, to get it back on the road.

For example, the businessman buying life insurance on a business partner can only purchase insurance that equals an objective valuation of the business partner's share of the business, unless he can justify an additional amount.

Today it is Replacement Cost Coverage, which means each insurance company designates a percentage of additional coverage on top of the insured amount.

On your policy declaration page the limit of insurance of additional structures will usually be identified near the amount of insurance on your» Dwelling Building.&raquOn your policy declaration page the limit of insurance of additional structures will usually be identified near the amount of insurance on your» Dwelling Building.&raquon your» Dwelling Building.»

Today, it is replacement cost coverage, which means each insurance company designates a percentage of additional coverage on top of the insured amount.

There are even some additional features that might be added on to your Travis Heights renters insurance policy where they will cover this Texas renters insurance cost for a certain amount of days automatically.

Because the applicants on no medical exam life insurance policies are typically those who are considered to be of higher risk, life insurance companies have to compensate for the additional amount of risk that they are taking on.

Some insurers do impose limits on the amount of coverage for personal possessions, so it may be wise to purchase additional insurance to cover your valuables, Worters adds.

Whether it's because they don't want to write standalone Cary, NC Renters Insurance policies, or because they simply have a limited capacity for the amount of additional risk they can take on, marketing of property lines falls well below that in other states.

Personal accident plans are mostly offered as standalone insurance covers on payment of an additional premium amount.