Sentences with phrase «additional risk the insurance»

Police officers are more likely to be murdered than people in other high risk occupations, adding an additional risk insurance companies need to consider.

This is to compensate for the additional risk the insurance company takes on to cover an older policy holder.

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.

However, homeowners» policies are limited in coverage and you may need to purchase additional policies such as home - based business insurance to cover other risks, such as general and professional liability.

SBA Export Loans require additional documentation, including copies of the lender's credit memo, which includes information concerning foreign partners, transaction terms and currency, and risk mitigation measures (export credit insurance, letters of credit, partial prepayments, etc.).

«Without understanding if associates are going to be compensated for gas, additional insurance costs, wear and tear on our cars and the potential risks of delivering packages, this program could be creating problems for associates,» said Cynthia Murray, a Walmart employee in Laurel, Md., who leads the Organization United for Respect Walmart, a workers» activist group.

A second option is «lender - paid mortgage insurance» (LPMI) which requires no monthly payment whatsoever, but for which your mortgage rate will be raised to offset the lender's additional risk.

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.

Congress should direct the Risk Management Agency (RMA) to prioritize development of additional organic price elections for crop insurance coverage, and review policies that cap Contract Price Addendums at two - times the conventional price election for any specific crop.

Moreover, crop insurance alone does not fully buffer risks to guarantee business success, and additional strategies are needed to minimize losses.

Various agencies from local governments to insurance companies support additional defensive driving education to further limit the risk of driving.

The Department for Education will provide a route to the commercial insurance market to purchase additional cover to manage these risks.

There are additional endorsements available to fit just about every possible situation, just call and talk to a friendly renters insurance expert and they'll be happy to help you find the right coverage for your individual risk profile.

Mortgage insurance makes it possible for you to buy a home with less than a 20 percent down by protecting the lender against the additional risk associated with low - down - payment lending.

A second option is «lender - paid mortgage insurance» (LPMI) which requires no monthly payment whatsoever, but for which your mortgage rate will be raised to offset the lender's additional risk.

Underwriting requirements: Additional health information required by the insurance company in order to accurately assess the health of the life insured so that it can properly determine the risk of insuring him / her.

That is why a comprehensive renters insurance program combined with an effective additional interest tracking platform achieves the risk management goals of most property owners.

The quick answer was that they didn't need to; many already had the benefits that come from distribution of insurance products, without the additional risk of underwriting, the additional hassle of state regulation, and the complexities of managing two disparate businesses.

Mortgage insurance makes it possible for you to buy a home with less than a 20 % down payment by protecting the lender against the additional risk associated with low down - payment lending.

Taking on the additional risk of insuring larger loans when home values continue declining may seem foolhardy, but if approved, time will tell whether this plan stems the tide of foreclosures or further sinks FHA mortgage insurance reserves.

Does requiring Long Beach, CA Renters Insurance carry additional risk for landlords?

The future of insurance is in understanding that new distribution channels need not equate to additional risk, and in choosing the right partners to put those channels into place.

SBA Export Loans require additional documentation, including copies of the lender's credit memo, which includes information concerning foreign partners, transaction terms and currency, and risk mitigation measures (export credit insurance, letters of credit, partial prepayments, etc.).

FHA's new discounted prices assume no greater risk to its Mutual Mortgage Insurance (MMI) Fund and will allow many of these borrowers to refinance into a lower cost FHA - insured mortgage without requiring additional underwriting.

High risk professions include police officers, pilots, firefighters, chiropractors and several others.If you have a higher risk of becoming totally disabled, then it makes sense to add additional insurance protection.

The insurance company may not be willing to take on the additional risk of having to pay out the premium on a policy on a high risk applicant.

And where home insurance is concerned, making sure that you're not underinsured if you live an area where wildfires or landslides are a serious risk, and that you acquire additional Earthquake Coverage in high risk areas of the state, are just a few examples of the unique insurance considerations that make understanding California insurance so important when you start shopping around.

A flood policy is additional to a standard Hammond insurance policy for your home and could cost anywhere from $ 500 to $ 2,000 extra depending on your flood risk and the insurer.

To learn more about how you as a landlord can institute a renters insurance program that allows you to track policies and ensure that they remain in force and can even offer additional risk management benefits, just call 800-892-4308 and use option 3.

I think that for life insurance the premium you pay goes up every year to reflect the additional risk of a mortality over the coming 12 months.

If you're a learner, it often means being added to parents» or friends» car insurance as an additional driver which can up the cost, and put no claims bonuses at risk.

From there, your renters insurance expert will take a few moments to discuss how much coverage you're looking for, what type of policy you had in mind, any specific additional risks that you're looking to protect against, and any additional members of the household who should be included on the policy.

Again, no matter the outlook of the relationship, listing another person on a policy is an additional level of risk that could potentially lead to higher insurance costs.

«In addition to our existing mortgage insurance products, which have responsibly helped millions become homeowners in an affordable and sustainable way, we remain committed to continuing to deliver permanent capital solutions that address the needs of the residential mortgage market — solutions that are reliable through the credit cycles, without additional taxpayer cost or risk, and in compliance with regulatory capital requirements,» Radian spokeswoman Emily Riley said in an email.

Insurance Products: Companies selling no - lapse premium guarantee life insurance policies may have additional solvency risks — a vital consideration if you are considering them as a new or replacemenInsurance Products: Companies selling no - lapse premium guarantee life insurance policies may have additional solvency risks — a vital consideration if you are considering them as a new or replacemeninsurance policies may have additional solvency risks — a vital consideration if you are considering them as a new or replacement policy.

(Excess flood insurance is available in all risk zones from some private insurers for NFIP policyholders who want additional coverage or where the homeowner's community does not participate in the NFIP.)

Mortgage insurance makes it possible for you to buy a home with less than a 20 % down payment by protecting the lender against the additional risk associated with low down payment lending.

In addition to the basic coverage your landlord insurance policy covers, you may want additional insurance to increase your policy limits or cover additional risks.

Having the right credit card can insure that risk, and allow you to avoid costly additional insurance policies.

«The insurance industry has expressed concern that insured persons who learn, after taking a genetic test, that they are at high risk for a genetic disease could knowingly take out policies for large amounts of additional coverage without insurers being aware of any increased risk,» says the report.

Her law practice focuses on helping these businesses with questions of corporate formation and governance, transactions, insurance, risk management and liability issues, intellectual property oversight and compliance, and management of additional counsel.

Ray McCann adds: «To avoid being caught out, expats should ensure that their arrangements are properly reviewed, otherwise they risk HMRC charging additional tax, national insurance contributions interest and penalties.»

Again, no matter the outlook of the relationship, listing another person on a policy is an additional level of risk that could potentially lead to higher insurance costs.

As a result, the insurance company raises your insurance rates to cover any additional risk they're taking on.

These samples will be reviewed by the life insurance underwriters in order to determine whether your health may pose an additional risk to the life insurance company.

Life insurance companies consider HBP to be an additional risk factor when providing life insurance policies, but it is possible to get affordable life insurance coverage despite your hypertension.

While many travel insurance policies have specific exclusions for high risk or extreme sports, the CSA Freestyle Luxe plan now includes adventure travel at no additional premium for activities such as mountaineering, rock climbing, sky diving, hang gliding and bungee jumping.

That additional risk is going to translate into higher premiums from the insurance company.

Taken together with the risk of additional automobile insurance claims, it is easy to see why insurers offer more favorable rates to consumers with excellent credit scores.

But within the last decade, insurance companies have also begun using credit information as an additional factor to help predict which persons pose more risk.