Sentences with phrase «decreased risk to the insurance company»

Not surprisingly, short term life insurance is cheap because of the decreased risk to the insurance company.

Not exact matches

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.

The intent of an IUL policy is to gradually decrease the «net amount of risk» (as seen by the insurance company), as you age.

With the onset of the economic crisis, life insurance companies have worked to decrease high - risk investments while solidifying their cash reserves.

The risk exposure of this industry and decrease in profitability has made very tough for insurance companies to operate but as third party insurance cover is set to rise, these companies may find it little easier to operate.

As the insurance company loses the clients in that area who aren't willing to pay the premium they want to charge for what they have determined as the risk, their profitability or loss ratios will likely decrease and this is good for business for the insurance company and the remaining clients they insure, since the cost of claims is spread out over the many clients they have.

Insurance companies see clients with higher education levels as less risky to insure and again, reward that decreased risk with a lower premium.

Because reflexes slow and vision decreases as you get older, seniors present increased risk to their auto insurance companies.

Installment of safety features in your car decrease the chances you will be involved in an accident as well as the chances of you getting injured in the event of an accident, anti theft systems and burglar alarms decrease the chances of your vehicle being stolen; and this lower risk to the insurance company boils down to a discount for you.