Sentences with phrase «at life insurers»

I realize this is a harder way to look at the markets, but for those that have managed the interest rate risk at life insurers, this is the way the best do it.

Aside from low interest rates, valuations are low at life insurers because of lack of certainty over reserves.

When I worked at a life insurer that was in the pension business, we would sometimes get asked to quote on business where termination of the existing plan would result in a surrender charge.

But if you look at our life insurer reviews, you can see the annual vs monthly discount under the plan details.

If you haven't looked at our life insurer review pages, I suggest you do so at some point.

Not exact matches

Geeta Wilson, vice president of consumer experience at the health insurer Humana, says she lives in fear, as do many executives, of this «discrepancy between how we think of ourselves internally and how our customers think of us.»

The average annual cost of nursing home living in Florida, at $ 91,000 for a single bedroom accommodation, looks like a deal compared to the $ 136,000 for New York, as calculated in research by insurer Genworth.

«It's very tricky» for insurers, said Bruce Porteous, an investment director for insurance solutions at Standard Life Investments, which oversees about $ 370 billion.

At the same time, traditional variable annuities will lose market share as insurers continue to move away from living benefits, they said.

At a time like this, where many life insurers, particularly ones facing credit risks, and those having variable policies, where profitability has declined along with the stock market, the surcharges could have kicked additional life insurers over the edge, and who knows how big the cascade would have been.

I / WE HEREBY RELEASE, WAIVE, DISCHARGE AND COVENANT NOT TO SUE the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities used by the participant, including its owners, managers, promoters, lessees of premises used to conduct the event or program, premises and event inspectors, underwriters, consultants and others who give recommendations, directions, or instructions to engage in risk evaluation or loss control activities regarding the CHICAGO SPORT & SOCIAL CLUB, INC. («CSSC») and its affiliates (CSSC and its affiliates are referred to collectively as the «CLUB»), the sufficiency of which consideration is expressly acknowledged, and intending to be legally bound, do hereby, for myself, my heirs, executors, administrators, insurers, assigns, attorneys, representatives, agents, beneficiaries, legatees, representatives, successors, assigns and any other persons who may make claims on my behalf (collectively the «RELEASORS») OR ALL SPORTS SERIES / PARK DISTRICT OF HIGHLAND PARK / WINDY CITY FIELD HOUSE / CHICAGO PARK DISTRICT / FITNESS FORMULA CLUBS (FFC — UNION STATION) / URBANA PARK DISTRICT / MADISON PARKS ORGANIZATION / ABUNDANT LIFE CHRISTIAN SCHOOL / LANSING PARKS / CITY OF BLOOMINGTON / UNIVERSITY OF MICHIGAN / CHICAGO PUBLIC SCHOOLS — LAKE VIEW HIGH SCHOOL / CAMP OJIBWA / AUSTIN PARKS AND RECREATION facilities or events held at such facility and each of them, their directors, officers, agents, employees, all for the purposes herein referred to as «Releasee»... FROM ALL LIABILITY TO THE UNDERSIGNED, my / our personal representatives, assigns, executors, heirs and next to kin FOR ANY AND ALL CLAIMS, DEMANDS, LOSSES OR DAMAGES AND ANY CLAIMS OR DEMANDS THEREFORE ON ACCOUNT OF ANY INJURY, INCLUDING BUT NOT LIMITED TO THE DEATH OF THE PARTICIPANT OR DAMAGE TO PROPERTY, ARISING OUT OF OR RELATING TO THE EVENT (S) CAUSED OR ALLEGED TO BE CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OF THE RELEASEE OR OTHERWISE.

Steve Gay, director of life savings and protection at the Association of British Insurers (ABI), said that any removal of the restrictions should only be considered if there is evidence to show that they are an obstacle.

Silveira says that some insurers and stakeholders have encouraged primary care physicians to talk to healthy patients about whether they have completed a will, but the new findings suggest that the documents likely don't change the likelihood of hospitalization at the end of life or increase the likelihood the person will die at home.

Globe Life only offers coverage with no medical exam so, if you're healthy, you'll pay higher rates for the same death benefit than you would at an insurer with full underwriting.

The premise behind an immediate annuity is simple: you give an insurer a lump sum in return for monthly payments that start at once and continue the rest of your life.

With an immediate annuity, you hand over a sum of money to an insurer in return for guaranteed monthly payments that start at once and continue for the rest of your life.

Life insurers would find taking on longevity risk to be a dirty hedge at best for their life insurance boLife insurers would find taking on longevity risk to be a dirty hedge at best for their life insurance bolife insurance books.

Life insurer insolvency means the pension is at risk, subject to the limits of the state guaranty funds.

Most insurers set your additional living expenses (ALE) coverage at a fixed percentage of your total dwelling coverage amount.

Insurers offer limited pay policies in single premium, 7 - Pay, 10 Pay, 15 Pay, 20 Pay and Life Paid up at age 65.

11) At the end, AIG had subprime risk in their life insurers (through securities lending), mortgage insurers, at American General Finance, and at AIGFAt the end, AIG had subprime risk in their life insurers (through securities lending), mortgage insurers, at American General Finance, and at AIGFat American General Finance, and at AIGFat AIGFP.

There is a further difficulty with life insurers at present.

Maybe the Fed would suck in a lot of high coupon, long duration treasuries at that level, and profit off of a bigger spread, kind of like the attitude some life insurers had in the mid-80s.

With an immediate annuity, for example, you invest a lump sum with an insurer in return for monthly payments that start at once and continue as long as you live.

Either at the rate of the insurer's portfolio or minimum guaranteed rate, in the case of universal life insurance.

Therefore, universal life insurance policies have greater upside potential when the insurer's portfolio does well, as the cash value can grow at a higher rate.

So, if you had a $ 500,000 death benefit and your insurer capped the amount you could accelerate at «the lesser of $ 250,000 or 75 % of the policy's face value», you could request up to $ 250,000 while still living.

According to Alexi Maravel, associate director at Cerulli, the way a particular insurance company is reacting to a likely interest rate hike depends on its business line: «Life insurance companies, which control the largest amount of insurance general account assets and have to match long - duration liabilities with long - duration assets, are making investment adjustments to their surplus assets, while, on the other end of the spectrum, we find health insurers are raising liquidity.»

«Depending on the policy and the insurer, the child will be permitted at eighteen years of age or the legal age of consent in their state to purchase an additional $ 25,000 of life insurance, irrespective of his or her health.

In California, insurers must offer you earthquake insurance every other year, and coverage must provide at least $ 5,000 (or 10 percent of your home's loss), as well as additional living expenses of $ 1,500.

I'm not sure what state you live in, but in some states at least, you are entitled to request your insurer to re-check your credit score once per year.

You hand over a lump sum to an insurer and begin receiving guaranteed monthly payments for the rest of your life immediately with an immediate annuity or, in the case of a longevity annuity, payments that start at later time, say, 10 or 15 years after you retire.

At a time like this, where many life insurers, particularly ones facing credit risks, and those having variable policies, where profitability has declined along with the stock market, the surcharges could have kicked additional life insurers over the edge, and who knows how big the cascade would have been.

Having worked in the pension business while an actuary at a mutual life insurer, I had the experience of reviewing the pension services proposals of a number of competitors, and of complementary service providers.

Among them was to protect the other life insurers of the US from getting surcharged in order to pay for the costs going to the guarantee funds, along with systemic risk issues at AIG Financial Products (which was much bigger).

Let me begin with a story: I started my career at Pacific Standard Life, a little life insurer based in Davis, CaliforLife, a little life insurer based in Davis, Califorlife insurer based in Davis, California.

Finally, even if you decide that this approach of combining an annuity with conventional investments makes sense, you would still want to consider such prudent steps as shopping around to make sure you're getting a competitive payment, annuitizing gradually rather than all at once, diversifying your annuity money among a few highly rated insurers and limiting the amount you invest with any single insurer to the maximum amount covered by your state's life and health insurance guaranty association.

A typical period of coverage for a term life policy may be 5, 10, 15, 20, 25, or 30 years (terms available may vary by insurer and your age at the time of buying your policy).

In addition, people up to age 95 can apply for a Banner Life term policy, which is nearly unheard of in the insurance industry (most other insurers cap applicants at age 65 or 75).

I subscribe to Value Line and was reading the latest section on Life Insurers (section 8 from last month)... Value Line covers 10 or 12 of these stocks - RGA, LNC, MET, AFL, PRU, AIZ among others... and all of them seem to be priced at very low prices to earnings and / or book value.

I was working for The St. Paul at the time (a Property & Casualty Insurer), and for an investment actuary like me, who grew up in the life insurance business it was interesting to see the different philosophy of the industry.

Recognizing the stress and financial burden that student debt can create, life insurer New York Life recently launched a student - loan repayment program offering up to $ 10,200 over five years for eligible employees — which tops out at $ 170 a molife insurer New York Life recently launched a student - loan repayment program offering up to $ 10,200 over five years for eligible employees — which tops out at $ 170 a moLife recently launched a student - loan repayment program offering up to $ 10,200 over five years for eligible employees — which tops out at $ 170 a month.

Auto and home insurers look at your credit score, too — or more typically, at a similar «insurance credit score» built from in - house data and not made publicly available — so it's reasonable to wonder whether something similar happens when you shop for life insurance.

You hand over a lump sum to an insurer in return for the insurer's promise to pay you guaranteed monthly payments for life that start at once (immediate annuity) or at some point in the future (longevity annuity).

My concern with life insurers is different at present because I don't trust the reserving of secondary guarantees, which are promises made where the liability can not easily be calculated, and where the regulators are behind the curve.

The conservatism of US life insurers, at least in this sample, is impressive.)

The failures were astounding: David Askin's hedge funds, Orange County, the funds at Piper Jaffray that Worth Bruntjen managed, some small life insurers, etc..

I would also try to look at the valuation of life insurers comparable to those at AIG, which are high complexity beasties.

At its inception, the reform assumed that while the National Health Service Litigation Authority (NHSLA) and the Motor Insurers» Bureau (MIB) would choose to fund the income stream from their annual revenue and that most liability insurers would purchase an annuity, or otherwise reinsure their liability, as most of them do not possess the necessary expertise in life inInsurers» Bureau (MIB) would choose to fund the income stream from their annual revenue and that most liability insurers would purchase an annuity, or otherwise reinsure their liability, as most of them do not possess the necessary expertise in life ininsurers would purchase an annuity, or otherwise reinsure their liability, as most of them do not possess the necessary expertise in life insurance.

Freshfields Bruckhaus Deringer, Linklaters and Sullivan & Cromwell are taking the lead roles on Goldman Sachs» sale of its remaining stake in Rothesay Life, in a deal that values the insurer at more than # 2bn.