Sentences with phrase «existing insurance contract»

An insurance endorsement is an amendment or addition to an existing insurance contract which changes the terms or scope of the original policy.

Not exact matches

The contract must clearly disclose any conflicts of interest that do exist, and must give the client instructions as to how he or she can obtain online access to compensation arrangements entered into by the insurance carrier (the final rule, however, provides for a streamlined disclosure pursuant to which individualized information about specific advisors need not be listed).

Annuity producers and advisors, independent marketing organizations and insurance companies have been working around the clock to understand, interpret, implement and communicate the conflicting compliance and disclosure requirements that exist between the 84 - 24 and Best Interest Contract (BIC) exemptions.

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.

Nothing in this title shall add to or detract from any existing authority with respect to any program or activity under which Federal financial assistance is extended by way of a contract of insurance or guaranty.

Earnest Money ECOA Effective Gross Income (Personal) Effective Rate Endorsement Escrow Escrow Account Escrow Agent Escrow Agreement for Postponed Exterior On - Site Improvements Escrow Company Escrow Contract Escrow Costs Escrow Fees Escrow Payment Evidence of Insurance Exception Execute Existing Construction Existing, Less than One Year Old

This does not just violate HUD rules; it violates existing contracts between reverse mortgage borrowers and lenders, and negates a key purpose for which borrowers had been paying insurance premiums.»

Low fixed rate 20 year term No down payment Maximum contract price of $ 200,000 Existing Home construction in a platted subdivision only No mobile, modular, manufactured, log homes or metal constructed homes Owner occupied only Real Estate must be in Oklahoma No Private Mortgage Insurance (PMI) required.

This provision allows you to exchange an existing insurance policy or annuity contract for a newer contract without having to pay taxes on the accumulation in your old contract.

So what should you do if you want to cash out of your existing insurance policy or annuity contract and trade into one that better suits your financial needs, without having to pay income taxes on what you've accumulated?

This contract exists so that in periods of extreme selling pressure, Goldman can execute the kind of trade that Brosens had to set up with individual insurance companies.

Effective June 19, 1996, an existing precomputed consumer credit transaction contract and a subsequent precomputed consumer credit transaction document may be consolidated provided that the consumer can not be required to consolidate the contracts as a condition for the extension of credit nor can the creditor be required to extend credit; and provided further, that if such contracts are consolidated, the annual percentage rate resulting from the consolidation can be no greater than the annual percentage rate on the prior existing consumer credit transaction contract nor can the consumer be charged any duplicate fees or expenses that originated in the existing consumer credit transaction contract, provided, however, that finance charges and other charges and fees rebated in accordance with applicable law and those charges as permitted by Section 5 -19-4 (f) and UCC filing fees or nonfiling insurance premiums in lieu thereof are excluded from this provision.

A mechanical repair plan (sometimes called mechanical breakdown insurance, or a vehicle service contract) can extend or supplement your existing car warranty.

Guaranty associations exist on a state level to back up the contract guarantees in annuity policies in the case that an insurance company is unable to do so.

A transaction in which new insurance coverage is to be purchased and an existing policy or contract is lapsed, forfeited, surrendered, partially surrendered or otherwise amended as a result of the transaction.

A tax - free method of exchanging an existing life insurance policy or annuity contract for a new one.

I only know about reasonable expectations in the context of insurance contracts: is there evidence that it exists in a wider context?

As the public sector looks increasingly towards commissioning services and increased use of outsourcing, public sector clients should be advised to undertake detailed reviews of existing insurance policies, improve where necessary contract management prior to inception and contract performance throughout the term of the contract, underpinned by regular risk assessment of third party service providers.

While the English ARP continued coverage for existing clients for the 2009/2010 insurance year, it capped contracts at 12 months and closed the door to new applicants.

(2) The rights and interests of a beneficiary for value under a contract that was in force immediately before the 1st day of July, 1962 are those provided in Part V of The Insurance Act, being chapter 190 of the Revised Statutes of Ontario, 1960, as it existed immediately before that day.

The duty automatically exists by operation of law in every insurance contract.

After an aborted attempt in April, A-I had issued new tenders in June, asking for technical bids from insurance companies to participate in the aviation insurance renewal contract for 2009 - 10, as the existing one was ending on September 30.

When a claim is reviewed, it is the definition of an existing medical condition in the insurance contract that is used to determine if a loss is covered or not.

The insurance contract indicates that it is the onset of symptoms and / or treatment in the 120 days prior to the insurance purchase that causes the condition to be considered an existing medical condition, not when there is an ultimate diagnosis.

The existing plans cater to healthy people who would enjoy insurance advantages in case they contract cancer.

Insurance providers have also been asked to include an agreement in the proposal form, encouraging the customer not to surrender an existing contract for a new one.

Common lengths of term contracts are 10, 20, and 30 years, though other variations exist such as 5 year term, 15 year term, and term insurance until age 85.

While almost all life insurance beneficiaries are revokable, non revokable beneficiaries can exists (meaning they can not be changed after being named) on some life insurance contracts.

This guaranteed period or «term» that a death benefit will be paid (only upon death of the insured) is the reason this kind of insurance policy is called «term life insurance», Other permanent types of insurance contracts also exist such as whole life insurance and universal life insurance, which will never expire as long as all premium payments are made in a timely manner to the insurance company.

This means that the life insurance coverage will no longer exists, no more premiums will be due, and the amount of the cash surrender value will be sent to the owner of the contract.

A provision within a life insurance policy that allows the insured the option of continuing the existing amount of insurance as term insurance at a length of time according to how much the contract's cash value can purchase.

Considering your Bountiful renters insurance options before you sign any contracts of service is the best way to learn how much you can afford and whether or not you should change an existing plan.

There may exist Insurable Interest between several parties to a life insurance contract, including spouses, partners, parents and their adult children, siblings, family members and business partners, among others.

Developing marketing strategies and promote all types of new insurance contracts or suggest additions / changes to existing ones

Develop marketing strategies and promote all types of new insurance contracts or suggest additions / changes to existing ones

• Demonstrated expertise in influencing and persuading clients to invest into new homes by performing marketing duties • Highly experienced in presenting new homes to prospective clients through effective presentation skills • Proven record of efficiently and effectively following up on powerful leads and ensuring that they are converted into business • Effectively interprets, analyzes and evaluates information relative to selling techniques and potential home buyer concerns • Exceptional judgement based on determining clients» concerns and making competent decisions to assist them in reaching their home buying goals • Deep insight into initiating prospecting and marketing campaigns to attract new customers • Qualified to proactively create and initial rapport with clients and anticipate their home buying requirements • Track record of demonstrating model homes and home sites to customers, focusing on their specific needs and building up on what is being offered • Hands - on experience in drawing up home buying contracts by keeping within the confines of procedure and protocol • Highly effective in following up with existing clients to determine their new home buying needs and to ask for referrals • Deeply familiar with explaining principles, interest payments, taxes and insurance information to ensure that clients are aware of all new home buying legalities before investing into a deal

Provide exceptional service at all times Review and assist with Auto Insurance coverage and billing needs Process transactions and proactively provide recommendations based on customer needs Interprets and understand policy contracts and needs to implement resolutions (Assist sister department) Process «First Notice of Loss» capture new claims and services existing claims Explain and frame updates and expectations for customers on when claims updates would be provided.

Inside Sales Coordinator (01/2001 — 06/2003) • Build and strengthen key partnerships with new and existing clients resulting in significant revenues • Responsible organization, management, and rental of extensive machine inventory • Coordinate daily driver schedule ensuring efficient use of company personnel and resources • Audit all rental equipment, rental attachments, rental contracts, and insurance requirements • Invoice all rentals at an average of $ 145,000 per month with highs exceeding $ 350,000

These limits exist alongside the already burdensome Hyde Amendment, which bars federal Medicaid coverage of abortion in most circumstances; 35 states decline to extend state Medicaid funds to cover abortion beyond very limited circumstances.19 This increasingly restricted environment creates severe disincentives for insurers to contract with abortion providers — and specialized abortion providers in particular — and for providers to accept insurance if contracts are offered.