Sentences with phrase «at most insurance companies»

Even if you do have a few dings, taking a Texas defensive driving course will also earn a discount at most insurance companies.

At the most insurance companies can offer a 2.5 % deduction on premium payment depending on the type of safety devices in your car.

Here's what it all boils down to: at most insurance companies, you're going to pay more for car insurance when you're under 25 or over 65 years of age.

Erie provides a few opportunities for homeowners to reduce their rates for insurance, though the discounts they offer are similar to those offered at most insurance companies.

Not exact matches

And with health insurance such a touchy topic at most companies, closing a sale was taking as long as a year and a half.

Written by insurance - claims specialists at Coopers & Lybrand, the brochure is chock - full of useful information, such as what your company should do during the first 30 days after a disaster, how you should quantify your losses on work in process and finished goods, how to calculate business - interruption costs, and most important of all, how to wrap up all the paperwork quickly.

The medical loss ratio provision of the Affordable Care Act, or Obamacare, requires most insurance companies that cover individuals and small businesses to spend at least 80 percent of their premium income on health care claims and quality improvement.

Nationwide offered the most expensive quote from the insurance companies we sampled at an annual cost of $ 249, which is $ 40 greater than the next highest quote.

If you need a large amount of coverage, simplified issue life insurance isn't ideal for you because most life insurance companies cap the death benefit at $ 100,000 (some companies offer as high as $ 500,000.)

Like most types of businesses, tech companies and startups need to, at the very lease, put in place a general liability insurance policy or a business owner's policy (BOP).

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.

In addition, most equity indexed UL policies allow the insurance company to change these participation limits at any time while the policy is in force.

Work - life balance ranked second at 75 percent and salary came in as the third most important factor (74 percent), ranked well above other factors such as health insurance (43 percent), company reputation (40 percent), and 401 (k) / retirement benefits (31 percent).

Most insurance companies nowadays will subsidize all or at least part of the cost of your breast pump.

Thankfully, most insurance companies are required by law, due to the affordable care act, to supply a FREE electric breast pump valued at close to $ 375.

Most insurance companies will require parents to practice repositioning techniques for at least two months before proceeding with a cranial orthotic such as the DOC Band.

On the day of the marches, Gov. Andrew Cuomo announced he will require health insurance companies in New York to cover medically necessary abortions and most forms of contraception at no cost to women.

New York Governor Andrew Cuomo said on Saturday that he was requiring health insurance companies to cover medically necessary abortions and most forms of contraception at no cost to women.

At the time the most expensive natural disaster ever to hit the U.S., Andrew caused an estimated $ 15 billion in insured losses in the state and changed the way insurance companies assessed their exposure to risk for weather - related events.

Cefaly costs around $ 325, and at this point most insurance companies don't cover it; order the gadget at cefaly.us.

Ulta Lab Tests offers blood tests and panels at a significant discount, and you can even submit the labs to most insurance companies for reimbursement.

The most common places to apply for auto loans are 1) banks and credit unions, 2) specialized auto finance companies, 3) finance & insurance departments at car dealerships, and 4) auto loan companies.

The two most expensive companies for renters insurance were Allstate, at $ 220 per year, and Farmers, at $ 225.

Most life insurance companies include this rider at no additional cost, but check with your agent to make sure your policy includes it.

The insurance company is not actually paying anything extra since most policies are structured to pay the death benefit early at a specified amount.

The team at I&E craft life insurance reviews of the top permanent life insurance companies currently offering the most competitive policies available.

A low FICO score can prevent a home purchase, especially a home purchase with less than 20 % down as most mortgage insurance companies have minimum FICO score (some even have their minimum at 680!).

If you need a large amount of coverage, simplified issue life insurance isn't ideal for you because most life insurance companies cap the death benefit at $ 100,000 (some companies offer as high as $ 500,000.)

A Life policy at its most basic level is a contract between you and the insurance company to pay a sum of money to your beneficiaries in the event of your death, to cover expenses and make up for the lack of your income.

Nationwide offered the most expensive quote from the insurance companies we sampled at an annual cost of $ 249, which is $ 40 greater than the next highest quote.

Most people know that auto insurance companies look at potential policyholders» driving records.

The viatical company just uses the conversion priviledge (that most, but not all term policies have, included at no charge) to convert the term insurance policy to a permanent or whole life policy.

A Life policy at its most basic level is a contract between you and an insurance company to pay a sum of money to your beneficiaries in the event of your death.

Most life insurance policies do require the applicant to undergo a physical exam, to determine how much of risk they may be to the insurance company, though there is the option of looking into a no medical exam life insurance policy, at a high premium rate.

At its most basic level, motorcycle insurance is a contract between the policyholder (usually the registered owner of the motorcycle) and the insurance company.

One of most common excuses I hear everyday about why people accept being at a sucky bank, insurance company, or whatever XYZ business, is that switching is hard.

I appreciated his argument regarding goodwill at the insurance companies — if your underwriting profits over nine years exceed goodwill the goodwill is most secure.

Since most policies expire without paying a death benefit, life insurance companies can sell these at a low price.

With the safe bucket covered and generating passive, tax advantaged income, they then have the freedom to entertain opportunities such as real estate, business start ups, private lending and other lucrative opportunities by borrowing money at favorable rates, often from the mutual insurance companies general account using their policy cash value as collateral, or shopping the rate to other financial institutions to see who is most competitive.

They're most often the most affordable, they're simple to understand, and they provide the straightforward protection that most people shopping for a policy at an insurance company are looking for.

These agents have years of experience working with Arizona insurance companies, enabling them to find you only those quotes with the best coverage at the most affordable rates.

Most renters insurance companies allow you to add additional coverage through renters insurance riders at any time.

Life insurance companies typically pay agents most of their compensation in a lump at the sale.

AIG is an interesting case; it has a lot more involvement in financial products and derivatives (insurance, but not really — at least not as directly as simple P&C policies) than most insurance companies.

At Kanetix.ca, getting life insurance quotes from many of Canada's most respected life insurance companies is fast, easy and free.

If things really did get that bad, then most all life insurance companies would be belly up, they won't be paying at all; and so your annuity would be even more worthless than the CHIM, because you could still sell CHIM shares for pennies on the dollar.

Most of the biggest life insurance companies are financially secure, and while you should look at BBB ratings, keep in mind some reviews may be from customers who had particularly positive or negative experiences that aren't necessarily representative of the company in general.

• Losing money and / or not making money in up markets, due to poor performance of the poorly - selected investment choices (called their «line - up» of variable subaccounts, which are just the choices of regular mutual funds wrapped up in a tax wrapper selected as the most profitable to sell by the good «ol boys at the life insurance company).

And David Miller, CIC, CRM, and managing director at Bensman Risk Management in Chicago gave a detailed response, «I am a dog owner (our dog is an 80 lb mixed - breed, most likely including some Lab and Border Collie in his mix), so I can empathize with dog owners who do not agree with an insurance company's decision to deny coverage based on a dog's breed.»

But if you're really trying to come up with a name that's unique and one - of - a-kind, the folks at Veterinary Pet Insurance have found the wackiest and most unusual dog names from the company's database of insured pets.