Sentences with phrase «by certain insurance companies»

This facility is offered by certain insurance companies only.

CGC is a prerequisite for some therapy dog groups, recommended by certain insurance companies and some rental agencies require resident dogs obtain CGC status.

Not exact matches

The Healthcare Reform Law, including The Patient Protection and Affordable Care Act and The Healthcare and Education Reconciliation Act of 2010, could have a material adverse effect on Humana's results of operations, including restricting revenue, enrollment and premium growth in certain products and market segments, restricting the company's ability to expand into new markets, increasing the company's medical and operating costs by, among other things, requiring a minimum benefit ratio on insured products, lowering the company's Medicare payment rates and increasing the company's expenses associated with a non-deductible health insurance industry fee and other assessments; the company's financial position, including the company's ability to maintain the value of its goodwill; and the company's cash flows.

the preservation among the Jews of «the «haggling» habit which most of the Western world has outgrown,» «the use of shoddy or poor materials,» the fact that «Jews are considered by certain leading insurance companies as a poor fire risk,» etc..

Although the main trade association representing firms like these, America's Health Insurance Plans (AHIP), did not endorse the AHCA, the bill did contain some measures that would benefit the companies by repealing certain taxes and allowing insurers to provide less generous (and less costly) benefits to customers.

During the fiscal year, certain Marsh subsidiaries were retained by the Company to provide services unrelated to executive compensation, including insurance brokerage services, risk management advisory services, business continuity consulting services and actuarial services.

Additionally, if you interact with Fidelity directly as an individual investor (including joint account holders) or if Fidelity provides services to your employer or plan sponsor, we may exchange certain information about you with Fidelity financial services affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.

I can't be totally certain here, but I suggest that all major state insurance regulators should send Ben Bernanke, Tim Geithner, and Hank Paulson some really nice gifts, because had AIG's life companies failed, the state guaranty funds would have been hard pressed to come up with something north of $ 10 billion by surcharging the other insurance companies doing business in each state.

Standard & Poor's ® and S&P ® are registered trademarks of Standard & Poor's Financial Services LLC («S&P»); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC («Dow Jones»); and these trademarks have been licensed for use by SPDJI and sublicenses for certain purposes by Forethought Life Insurance Company.

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 fact, insurance companies in some states, including Illinois and Minnesota, are required by law to provide coverage for amino acid - based formulas when babies have certain medical disorders.

The governor's executive budget, released in January, proposed cutting Medicaid payments to certain health insurance companies with excess reserves, and was rejected by both houses of the Legislature.

The company is often viewed as a sort of apparel - industry savior, not only because it's supplanting the decrease in retail jobs by hiring more than 3,000 «stylists» as W - 2 employees — meaning that Stitch Fix deducts payroll taxes from each pay check and offers benefits like 401K and health insurance to those who work a certain number of hours a week — but also by emerging as one of the largest wholesale partners in the US.

While policies sold by mutual life insurers are similar in many ways to those sold by stock life insurance companies, as we have seen, there are certain benefits to buying policies from mutual insurers.

Insurance products and certain services are provided by various third party companies.

The typical load fee varies by insurance company and can range from 4 % to 15 %, with certain insurers reserving the right to raise fees up to 20 %.

I can't be totally certain here, but I suggest that all major state insurance regulators should send Ben Bernanke, Tim Geithner, and Hank Paulson some really nice gifts, because had AIG's life companies failed, the state guaranty funds would have been hard pressed to come up with something north of $ 10 billion by surcharging the other insurance companies doing business in each state.

In Quebec, certain coverages underwritten by Aviva General Insurance Company.

Other ways to protect yourself from price increases include investing in certain inflation - adjusted annuities offered by insurance companies, paying off your mortgage and just remaining frugal overall.

Designed to prevent the risk of outliving your income, annuities work by giving a lump sum or series of payments to an insurance company, and in return, the insurer agrees to pay you a guaranteed income for a certain length of time (or even for the rest of your life).

The second principal feature of a stable value fund is a «wrap contract» issued by an insurance company or other financial institution that provides a guaranty that investors will receive the «book value» of their account, the value of their initial investments plus interest accrued at certain intervals of time that reflects the performance of the underlying bond fund.

Every year, a certain percentage of your premiums goes into a savings account held by the life insurance company.

Investment bonds (also known as insurance bonds) are investments offered by insurance companies and friendly socieities that can be a tax effective way to invest for the long - term if certain rules are followed.

A contract issued by an insurance company that guarantees a specific rate of return on an investment over a certain time period.

Like most insurance policies and benefit programs, insurance policies and benefit programs offered by Metropolitan Life Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them insurance policies and benefit programs, insurance policies and benefit programs offered by Metropolitan Life Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them insurance policies and benefit programs offered by Metropolitan Life Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them Insurance Company and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force.

Breed bans and the increasingly widespread practice by insurance companies to deny homeowners» coverage for certain dog breeds virtually guarantee euthanasia of otherwise adoptable dogs by shelters and humane societies.

Owning certain large breed dogs, mostly those with a guard dog mentality, is being discouraged by some home insurance companies.

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.»

In the January issue of American Lawyer, there is a terrific article by Mark Roellig, General Counsel at Massachusetts Life Insurance Company, addressing the issue of firms failing to mine their data on cost of handling certain kinds of legal work.

As another example, staff counsel at insurance companies need to see certain information, but shouldn't see cases managed by another office.

The financial burden can be overwhelming, and an experienced attorney from our firm can help make certain that you adhere to the legal process and that your insurance company plays by the rules.

Counsel to the General Agent and independent agency for a leading life insurance and financial services company in connection with FINRA arbitrated restrictive covenant matter involving alleged non-compete and non-solicitation violations by certain agency producers.

These samples will then be tested by the life insurance company for certain types of health conditions that could be considered as risky.

This is your general senior discount; you'll typically be offered a certain percentage off your premium for reaching a specific age (set by your car insurance company).

Now this is not a unique feature only offered by Colonial Penn, many different insurance companies offer policies with premiums that increase over time, and in some cases these types of policies are great for certain types of clients, BUT... before anyone buys such a policy, they should take a look at what the rates will look like 10, 15 or even 20 years down the road.

Cash values earn an interest rate that is set periodically by the insurance company and is generally guaranteed not to drop below a certain level.

Because these websites do not represent or offer car insurance policies for one specific company, they are in fact acting as a broker on your behalf — by helping you to find the lowest prices for certain types of car insurance coverage.

Because Vermont online traffic schools and online driver improvement programs focus on instilling safe and defensive driving habits in drivers who are either inexperienced or have difficulty with certain aspects of driving due to older age, insurance companies often encourage mature and juvenile drivers to participate in courses offered by Vermont online traffic schools.

If the unplanned events covered by the insurance policy occur, the insurance company will pay the person with the insurance policy a certain amount of money as set out in the rules of the plan.

A stop - loss insurance policy by All Savers Insurance Company, which protects the plan from large catastrophic claims by a covered individual, and provides overall protection in the event that all claim payments made under the medical plan exceed a certain dollinsurance policy by All Savers Insurance Company, which protects the plan from large catastrophic claims by a covered individual, and provides overall protection in the event that all claim payments made under the medical plan exceed a certain dollInsurance Company, which protects the plan from large catastrophic claims by a covered individual, and provides overall protection in the event that all claim payments made under the medical plan exceed a certain dollar limit.

If the insured, the person covered under the life insurance contract, is diagnosed with a significant medical condition that is determined to be terminal by a physician, the policy owner can apply for accelerated death benefits up to certain limits established by the insurance company.

Vacant homes are considered by the insurance company only under certain situations.

Several insurance companies set a percentage of certain expenses that are required to be paid by the insured.

You may qualify for a senior discount if you over a certain age, which can vary by insurance company.

A yearly limit, or cap, decided by your insurance company, that will be paid for certain benefits covered under your health plan.

This data is transmitted by the device to the insurance company and after a certain amount of data is collected, you're given a discount on your car insurance premium.

There are many child plans offered by insurance companies; however, certain things should be considered while choosing the best investment plan for a child.

While the two - wheeler insurance plan offered by the company has an exhaustive coverage, certain damages are excluded from the scope of coverage of the plans.

Not everyone with a medical condition needs pre-existing condition coverage with their travel medical insurance plan, and the only way to know for certain is by understanding how travel insurance companies define a pre-existing condition.

The surety or bond provider (insurance company) assures the project owner that the contractor will perform a contract by completing certain work to a declared standard.