Sentences with phrase «at risk to the insurance company»

Additionally, it builds cash value that reduces the net amount at risk to the insurance company, thereby reducing the total costs associated with providing insurance over time.

The cost rises, per dollar at risk to the insurance company, each year of the policy as the insured person ages.

The charge per dollar at risk to the insurance company (this is defined as the death benefit that would be paid on a claim, minus the current cash value) unequivocally will rise over time.

The costs are calculated based upon the amount at risk to the insurance company, with the amount at risk being the death benefit of the policy minus the cash value of the policy.

Not exact matches

Excited by the discovery, Glickman presented the idea of callback to his bosses, only to be told that Amex had no interest in risking irritating Argentina's only phone company; it essentially regarded its outrageous phone bills as insurance that its telephone service would remain at least semireliable.

«We saw that [the internet] was a fundamental change in the way companies did business, and that it was going to create a fundamentally new type of risk,» says Robert Parisi, cyber product leader at insurance brokerage firm Marsh USA.

HNA and other big Chinese players like Anbang Insurance Group and Dalian Wanda Group are under pressure at home and abroad, as the authorities and investors worry about the risk these highly indebted companies pose to the broader economy.

When you apply for a policy, the insurance company may take a look at your credit and debt - to - income ratio to gauge your risk level.

The existence of an effective insurance «floor» means that money managers at big companies have an incentive to take on extra risk to achieve higher returns and to hell with the consequences.

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.

And if breast is best, and if insurance companies have to pay out less money for women and babies who successfully maintain a healthy breastfeeding relationship (this on the assumption that, in fact, breastfed babies and mothers are healthier and less at risk for a variety of chronic ailments or cancers)- wouldn't it be in their best interest to shell out a couple hundred bucks for help their working, nursing mothers maintain a breastfeeding relationship?

Whatever fault we may find with our current medical malpractice scheme, it's hard to deny that insurance companies are fairly good at weeding out what is high risk.

«The ABI has an unparalleled record of delivering complex, industry - led projects in partnership with Government, such as FloodRe to ensure affordable flood insurance for households at high risk, and MedCo, to protect customers against unscrupulous claims management companies.

a) defending his vote against requiring insurance companies to cover mammograms for women at risk for breast cancer.

«The fact that there is another law on the books granting an exemption... to medical malpractice insurance companies from these stringent requirements not only puts medical liability policyholders at risk, but all New York residents and companies who purchase auto, home and business insurance coverage.»

«Insurance companies are experts at assessing risk and should have known better than to vouch for bad institutions that harbor sexual predators,» said State Assemblymember Linda B. Rosenthal.

In the few cases where there are many skeletons, one can construct mortality tables like the ones life insurance companies use to calculate expected life span and risk of death at any given age.

Life insurance companies routinely request HIV tests from anyone who wants an unusually high level of cover, for example above # 250 000, and from people they consider to be at high risk.

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.

By spreading the risk among several writing companies, Effective Coverage is able to provide broad coverage at a low price for renters insurance in Corpus Christi, as well as for other types of insurance like Texas auto insurance.

Conversely, the average returns tend to be lower than at risk investments such as stocks or real estate due to limitations set by the insurance company (usually represented by a contract fee or a cap, spread, or participation rate on the index allocation selected).

This is because since home insurance companies are able to accurately asses risk - they are also able to set rates at appropriate levels for each customer.

With so much available to you and so much at risk, you need an insurance company that knows the tax advantages, flexibilities, and best way to leverage your assets so that your family stays secure and your policy remains safe.

Let's look at how insurance companies determine which professions are high risk and show you how to find the right online life insurance policy for your occupation.

Lending risk is what all lenders (mortgages, auto, insurance, credit card companies etc) take into account when determining the dollar amount and rate at which they are willing to lend borrowers.

Risk - based capital standards need to be tightened to at least the level of insurance companies, if not tighter.

Effective Coverage brings these companies together to give your residents the insurance solutions that meet their needs at prices they can afford, all while insulating you from the risks of tenant negligence.

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.

The practice of insurance subsidiaries issuing surplus notes to parent companies has become all too common, which allows subsidiaries to write more business at the risk that when a subsidiary becomes impaired, the domiciliary state takes it over, and the parent company gets little to nothing.

When I was a risk manager and bond manager for a life insurance company (at the same time, dangerous, but great if done right) I had to have models that drove yields on corporates from Treasury yields.

Since qualification criteria varies among the numerous insurance companies, it is not uncommon for an individual to qualify for different rate class (risk class) at different insurance companies.

Like in any insurance program, companies in the automobile insurance industry use actuaries to determine what is at risk for an insurance company when it supplies a customer with any type of insurance.

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.»

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.

Hurricane Katrina is a reminder to the U.S. insurance industry, companies, governments and the general public that all are at risk from escalating losses from hurricanes and other weather - related events due to climate change resulting from the effects of global warming, according to a new report released by the Ceres investor coalition.

Whilst we have not found any evidence that normalized insured damage has trended upward at the global level, for developed countries and independently of the type of disaster looked at, our detection of an upward trend in insured losses from non-geophysical disasters and certain specific disaster sub-types in the US, the biggest insurance market in the world, and in West Germany represents a finding to be taken seriously in the risk analysis undertaken by insurance and re-insurance companies.»

When an injured victim does attempt to deal directly with the insurance company without competent representation, they are risking settlement at an amount far lower than he / she deserves.

Couple this with an experienced mediator that can get the insurance company to look at the risks they might not have seen can result in a fair dispute resolution at mediation

Insurance companies and the corporations, businesses and professionals they insure, pay for their mistakes only when compelled — and then only enough to avoid the risk of losing more at trial.

Because of the higher level of risk associated with commercial vehicles, the law generally requires a greater amount of insurance coverage to ensure a trucking company can be held financially responsible if it's at fault for an accident.

The lawyers cited a number of reasons for taking cases to arbitration, including the ability to remove some of the risk when insurance companies agree to pay plaintiffs within a range of compensation limits at the end of the process.

There is a growing trend towards seeking punitive and personal legal action against executives for failure to follow regulations and standards which could result in costly investigations, criminal prosecutions or civil litigation putting the company's assets, or their own, at risk, AGCS says in its new report D&O Insurance Insights: Management liability today.

Whether they know it or not, by doing this attorneys are contributing to the total victory the medical establishment and their insurance companies are striving for — a «proceed at your own risk» approach to seeking medical care, where responsibility for medical errors is a burden borne solely by the victim — and in most cases, a burden they'll live with the rest of their lives.

Having the experience to know which company looks at «X» risk (diabetes, COPD, obesity etc.) most favorably will provide you with the low cost term life insurance quotes you're looking for.

If you have a pre-existing medical condition you can use our contact form to provide the details and we can help you find the best life insurance company for high risk life insurance so that you have the best chance of getting approved at the best life insurance rates.

Hobbies — The insurance companies will also want to understand if you have any other hobbies that would place you at more risk of death or injury.

Your height and weight matter, too, since some insurance companies will use your BMI to help determine whether you are at risk for issues related to obesity.

Each life insurance company will look at each risk differently, but most will see them as a potential risk — and you're going to pay more.

Every life insurance company looks at your health differently and we're able to reference your risk across all the top rated life insurance companies and see which life insurance company will look at your risk most favorably.

The insurance company will also look at your occupations and hobbies to determine if you are a high - risk applicant.