Sentences with phrase «effect on premium rates»

Your deductible can have a large effect on your premium rates because many Peachtree City car insurance companies are going to be willing to give much lower rates to the customers that accept a higher personal risk through a larger deductible.

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.

In effect, investors have priced stocks not only on the expectation of many more years of zero interest rates, but also without any material risk premium at all.

He owes you the duty to fully disclose his commission rates and their effect on you car insurance premium.

To illustrate the effects of upfront payment and monthly premiums, we calculated the costs on a 30 - year fixed rate FHA mortgage with a $ 200,000 balance and interest at 4 %.

If a policy is issued to you, the premium will be based on the information, rates and rules in effect at that time for the issuing insurance company.

Teenagers learning to drive typically get rated as permit status, which has little to no effect on premiums.

You'll see phrasing on it to the effect of «Your premium is 3.2 % above the NCRB approved rate for the policy.»

But quantitative easing has also had an effect in suppressing risk premiums in securities that have much less dependence on the course of short - term rates — particularly junk rated debt, corporate debt, and stocks.

However, you can still be limited in your loan options, and you might have to pay an interest rate premium as long as the charge off, and its after - effects, remains on your credit report.

What happens is that the bank gives you a premium rate while the call - protection period is still in effect, but in exchange, as soon as this period ends, the bank can then take back the premium rate and replace it with a much lower one based on the prevailing market rates at that time.

«Further, if carriers need to raise rates they need to execute on several best practices that mitigate the potential negative effect associated with premium increases.

Some may have little effect on your premium, while others can cause a huge rate increase.

Your driving history directly affects your SDIP rating, as well as the effect of that rating on your premium.

If you're feeling the effect of a recent DUI on your insurance premium, or if your current insurance carrier decides to terminate your policy, you might want to compare vehicle insurance to see if you can get an affordable rate.

Having any health conditions could effect the final rates of your application and we want to limit the impact they may have on your premium.

«Further, if carriers need to raise rates they need to execute on several best practices that mitigate the potential negative effect associated with premium increases.

The amount of income you receive depends on several factors, including your age, gender, premium amount, interest rates in effect, and your chosen payout option.

If your policy is still in effect and you have subsequently improved your health such as losing weight, stopped smoking which has reduced your blood pressure and / or cholesterol levels, then consider asking the insurer to re-evaluate you so you can get a better rating and a reduction on your premium.

With effect from April 1, 2012, Service Tax Rate has been changed to 3.09 % on first year premium and 1.545 % on subsequent year premium for traditional endowment & annuityA contract sold by a life insurance company that provides fixed or variable payments to a recipient, either immediately or at a future date.

It's common knowledge that filing a claim will almost certainly have an effect on your premiums for a period of time, but it's almost impossible to know how much and for how long because insurance companies use such complex calculations to determine rates.

Though the storms that Ohio has faced over the last few years have made insurance news in their ever increasing effect on rates, despite the rises in premiums, the state is still among the most affordable places to purchase both auto and homeowners coverage.

Where you live has a huge effect on your car insurance rates — so much so that the average annual premium in Michigan is more than five times the average in North Carolina, according to new data from Compare.com.

The type and amount of renters insurance that you purchase is going to have a big effect on your rates, and you will want to find coverage that leaves you feeling protected but also comes with the right premium.

How long the policy is designed to last, as well as the assumed non-guaranteed rate of return, can have a significant effect on the premium.

Financial performance depends upon the amount of money paid out in claims over the course of a year, the sales of the company, the amount of premiums paid to the company compared to the amount expected to be paid, and prevailing interest rates as these strongly effect the amount of money earned on company reserves, which are massive in terms of total assets.

Once you've established your minimal auto insurance needs and tweaked your policy to deliver the most affordable rates, it's time to drill down and look for individual or fleet insurance discounts that can further lower premiums with hardly any effect on your actual insurance benefits.

You'll see phrasing on it to the effect of «Your premium is 3.2 % above the NCRB approved rate for the policy.»

For example, the security of the property that you live in, and the way that you decide to pay for your premiums may have an effect on the rates you are offered.

Many top rated insurance companies will allow an applicant to request a term policy that takes effect on an earlier date that their actual application date in order to get a lower premium rate.

That assessment, though, is built on the presumption that the forces that push up interest rates have no effect on the other inputs into value - the equity risk premium, earnings growth and cash flows, a dangerous delusion, since these variables are all connected together to a macro economy.

The relatively large risk premium associated with seniors housing (the difference between its cap rate and the risk - free 10 - year Treasury rate, estimated to be roughly 500 basis points) may help buffer the effects of higher interest rates on seniors housing cap rates, since the risk premium has room to potentially shrink toward the premium afforded to other commercial real estate asset types.

The U.S. Department of Housing and Urban Development announced Jan. 20 that it was suspending indefinitely the FHA premium rate cut that had been expected to take effect on Jan. 27.

Since the measure was upheld, the law's popular underwriting and rating reforms already in effect, i.e. the ability of young adults to stay on their parents» policies, reduction in Medicare Part D copays, etc., as well as those going into effect in 2014, such as the ban on denying coverage on the basis of a preexisting condition or setting insurance premiums on the basis of health status or sex, will remain intact.