Sentences with phrase «commissions by the insurance companies»

Those who seek the assistance of an insurance agent must keep in mind that insurance agents are paid commissions by the insurance companies offering the annuities.

The best ones are fee - free, which means you don't have to pay for their help upfront because they will probably be paid a commission by the insurance company that offers you the best coverage and rates.»

We are paid commissions by the insurance companies if you purchase insurance.

As a company, we get paid a commission by insurance companies for policies we sell.

Not exact matches

Variable annuities (also called pooled separate accounts) are basically mutual funds that are owned by an insurance company and then «wrapped» in a thin layer of insurance — adding wrap fees (including sales commissions and surrender charges) in the process.

Insurance companies will be tweaking their agent and advisor commission structures over the next 12 months to comply with a new fiduciary rule issued by the Department of Labor.

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.

He is not connected to the new survey, which was commissioned by the MetLife Inc. insurance company of New York City.

AND, (and this is a huge deal), the commission paid to the agent is not paid by you, it is paid by the insurance company.

We are compensated directly by the insurance companies we contract with in the form of policy commissions.

This process also eliminates a lot of overhead for the insurance companies by reducing the need for high commission - based sales agents, which allows them to offer you lower premiums.

Commissions have been minimized to the maximum allowed by the life insurance company.

We get paid a commission by the life insurance company when we help you find a life insurance policy, submit an application, and get approved.

The commission - based world is all about wearing a «Black Hat» while struggling to force a square peg into a round hole by selling high - commission products and trades, life insurance company products, financial plans created with fake planning software, and abusing American Funds.

It is a sales tool for Broker Dealer Reps lying, cheating, and cutting every corner possible in order to get out of doing the actual hard work clients erroneously think they're performing, as they pretend to be financial planners; desperately trying to meet their BD's sales quotas by peddling commission - based American Funds and scaring investors into buying life insurance company products (e.g., annuities).

Here's the shortest bottom line on all forms of annuities and all forms of whole life insurance: If you work in the life insurance business, either as an agent or an employee of a life company, or hold life insurance company stock; then annuities and whole life insurance are the greatest invention since the wheel (because they pay by far the most in immediate commissions of any financial product available today, making them by far the most profitable part of the life insurance company business model).

We put the customer first by taking lower commissions from insurance companies to offer you the highest possible rates.

Fee - based financial advisors can receive compensation from fees paid by you and from commissions paid to them by a brokerage firm, mutual fund company, insurance company, or investment partnership.

This is because they pay by far the most in immediate commissions of any financial product available today, making them by far the most profitable part of the life insurance company business model.

We get paid a commission by the pet insurance company when we help you buy a plan for your pet.

The «protectionist instincts» that I and others have are (1) to protect the independence of the bar (sure to be lost eventually under nonlawyer ownership), (2) to protect the health of the legal marketplace (sure to be badly harmed by the cartelization of ABS (see the 5 % commissions charged by the cartel of real estate agencies who still control the vast majority of the realty market, and especially see the ridiculously high costs of dealing with the American title insurance industry where four companies have upwards of 87 % of the conveyancing and title insurance market after first decimating the real estate bar with predatory pricing and other unfair business practices)-RRB-, and (3) to protect the public from those ravages.

For example, an Interim Cease and Desist order was issued by the Financial Services Commission of Ontario against Bridgepoint Insurance Company (BICO) in July 2016 for offering an insurance product without a licence.5 BICO restructured its affairs by partnering with Omega General Insurance Company in 2017 to offer its products through Belyer Insurance Limited / Belyer Insurance BrokersInsurance Company (BICO) in July 2016 for offering an insurance product without a licence.5 BICO restructured its affairs by partnering with Omega General Insurance Company in 2017 to offer its products through Belyer Insurance Limited / Belyer Insurance Brokersinsurance product without a licence.5 BICO restructured its affairs by partnering with Omega General Insurance Company in 2017 to offer its products through Belyer Insurance Limited / Belyer Insurance BrokersInsurance Company in 2017 to offer its products through Belyer Insurance Limited / Belyer Insurance BrokersInsurance Limited / Belyer Insurance BrokersInsurance Brokers Limited.

Mauritian based Rainbow Insurance Co Ltd.'s registration was suspended in 2007 by The Mauritian Financial Services Commission (FSC), regulators of local insurance companies, for capital inadequacy, solvency and lInsurance Co Ltd.'s registration was suspended in 2007 by The Mauritian Financial Services Commission (FSC), regulators of local insurance companies, for capital inadequacy, solvency and linsurance companies, for capital inadequacy, solvency and liquidity.

These increased costs would have been met by insurance companies, the NHS and the Legal Services Commission.»

A later briefing note says that solicitors who have difficulty in paying their premium were told by insurance companies that they would «source the money for them (presumably involving a commission).»

Insurance companies love cash - value policies and promote them heavily by giving commissions to agents who sell these policies.

However, before an insurance company can change rates, it must first be approved by the Financial Services Commission of Ontario (a regulatory agency of the Ministry of Finance).

Commissions vary by policy and company, but life insurance agents often receive 80 % to 100 % of the first year's policy premium as commission.

In 2015, over 48 million dollars in losses were incurred by auto insurance companies in the U.S. as the result of physical damage to private passenger automobiles, according to the recently released Auto Insurance Database report from the National Association of Insurance Commissioinsurance companies in the U.S. as the result of physical damage to private passenger automobiles, according to the recently released Auto Insurance Database report from the National Association of Insurance CommissioInsurance Database report from the National Association of Insurance CommissioInsurance Commission (NAIC).

We get paid a commission by the pet insurance company when we help you buy a plan for your pet.

I was diagnosed with a serious form of Leukemia over the Xmas 2015 holiday and because of my extremely low white blood cell count was forbidden to travel, interact with people or even eat food not prepared by ourselves by the medical team at Memorial Sloan Kettering Cancer Center in NY, of course we cancelled a trip we had planned to India for about $ 16,000 and our Travel Agent submitted the necessary claim and documentation to Allianze Travel Insurance, since then we have got the total run around culminating in them telling my wife who is distressed enough already, finally telling her that our Chase Card is the primary carrier and so they won't pay which is total BS, I am going to call the NY State Insurance Commission, The State Attorney General and everyone else who can bring this disgusting company to account are they waiting for me to DIE?

The price you pay is not affected... the commission is paid by the insurance company and you will pay the same whether you purchase through this site or directly through the insurance company.

There's no extra cost to you if you use a broker.Brokers are compensated by insurance companies through commissions, which have already been built into insurance prices.

These commissions (as well as every other expense the life insurance company incurs by insuring you) is already baked into the cost of your policy (your premium).

Online term life insurance is convenient as compared to offline as premiums charged by insurance companies are low due to the fact that no middlemen exist and no commissions required to be paid to them.

Licensed as an insurance broker in 50 states plus the District of Columbia, the company is paid a commission by the appropriate insurance company for each sale.

Now the good thing is that a lot of people don't know is that those commissions are paid for by the insurance company and they are already baked into the price of insurance.

When you have a problem with an auto, home, health or life insurance company, both the National Association of Insurance Commissioners and individual state insurance commissions recommend that you first try to resolve the issue by following the company's grievanceinsurance company, both the National Association of Insurance Commissioners and individual state insurance commissions recommend that you first try to resolve the issue by following the company's grievanceInsurance Commissioners and individual state insurance commissions recommend that you first try to resolve the issue by following the company's grievanceinsurance commissions recommend that you first try to resolve the issue by following the company's grievance process.

Not only are there better ways to save for the future than being forced to by your insurance company, you can avoid the high commissions by using more traditional investment funds.

The Commission passed the order on a petition filed by the insurance company challenging the Karnataka State Consumer Commission's order directing it to consider the vehicle claim of policy holder Pragathi Constructions.

Insurance companies, by and large, welcomed the decision saying the new rule, effective from July one this year, will bring about more transparency by providing prospective policy holders clear information about the amount that has been collected from them as brokerage or commission.

A broker generally represents more than one insurance company, and the broker's compensation is generally paid as a commission by the insurer with whom the policy has been written.

Employers must obtain workers» compensation insurance from a licensed insurance company or be approved as self - insurers, which requires prior approval by the Maryland Workers» Compensation Commission.

The insurance companies have begun to get away from the restriction by offering commission that are written in as scores of miscellaneous charges like business promotion, sponsorships and so on.

The Competition Commission of India (CCI) is probing alleged unfair business practices of public sector general insurance companies, following a complaint filed against them.The investigation follows a complaint filed by Association of Third Party...

Agents may represent just one - ore many - insurance companies, and are generally paid commissions by the insurer with whom the policy has been written.

A CEO of an insurance company, who did not wish to be named, said, «The regulator has, in the past, raised its concern on insurance companies pushing their products by offering higher commissions to the dealerships and the issue will be taken up in the upcoming meeting of the council.»

We are compensated directly by the insurance companies we contract with in the form of policy commissions.

Commissions have been minimized to the maximum allowed by the life insurance company.

According to at least two studies, a 2003 study done at the McCombs School of Business at the University of Texas at Austin, and a 2007 study by the Federal Trade Commission, there is a statistical correlation between how much a consumer costs an insurance company and that customer's credit score.