Sentences with phrase «financial risk to the insurance company»

On the other hand, there are many steps you can take to once again reduce your premium and reduce financial risk to the insurance company that holds your policy.

Using term life insurance is the most affordable method of transferring a financial risk to an insurance company.

Not exact matches

Proposed board reforms to Canada's deposit - taking institutions and insurance companies under the new guidelines include: appointing directors with relevant financial services experience; more board control over enterprise risk; enhanced director training, self - assessment and external reviews; and certain powers that allow boards to better direct and monitor management.

Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Forfinancial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on ForFinancial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.

However, the government gives financial compensation to private insurance companies with a lot of high - risk customers.

«Call your insurance company and ask how much it will lower your premiums by raising your deductible, and then determine whether you want to assume that much financial risk,» Fisher said.

This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks, financial institutions, investment funds, insurance companies, brokers, dealers or traders in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other risk reduction strategy.

Investments in SMART529 are not guaranteed or insured by the State of West Virginia, the Board of Trustees of the West Virginia College Prepaid Tuition and Savings Program, the West Virginia State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

The CBIRC has plans to regulate financing guarantee companies to manage financial risk in the banking and insurance industries.

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.

Because you deserve the peace of mind knowing that you have the right protection to match your needs and risks, and that your insurance company has the financial stability you can rely on.

Investments in CHET Advisor are not guaranteed or insured by the State of Connecticut, the Connecticut Higher Education Trust Program, the Connecticut State Treasurer's Office, Hartford Life Insurance Company, The Hartford Financial Services Group, Inc., the investment sub-advisors for the Underlying Funds or any depository institution and are subject to investment risks, including the loss of the principal amount invested, and may not be appropriate for all investors.

After years of working as a senior manager for KPMG's Financial Services Group, primarily working with risk managers and insurance companies, Randy bring risk management to the realm of investment management in the form of the DRS.

In King William's tontine, he challenges the financial industry to start engaging in what he terms «tontine thinking» as a way out of the huge longevity risk pensions and insurance companies are bearing.

Insurance companies consider drivers with lower credit scores to be a greater financial risk.

CREDIT QUALITY Financial guarantee insurance companies use a variety of approaches to assess the underlying credit risk profile of their insured portfolios.

Through reinsurance, the risk of loss (but not counterparty risk) on these contracts can be transferred to other financial guarantee insurance and reinsurance companies.

I'm still not ready to play in the depositary and credit sensitive financial companies, my insurance exposure is cheap, and earning money with low - ish risks.

Like all insurance products, your premium goes to the insurance company to help spread out financial risk among a large group of people.

This is truly a no - risk situation for the injured party and a great benefit for injured persons who have little or no financial ability to fight with a large, financially well - equipped insurance company.

If there are no practices in place, the insurance can facilitate businesses to devise a plan to prevent cyber threat and the risk of legal issues, financial losses and company failures — before accepting the residual risk.

Injured claimants, even those with competent lawyers acting on a contingency fee basis (sometimes referred to as a «no win no fee» arrangement) may still face great financial risks associated with litigation against the deep pocketed insurance companies.

When you apply for a life insurance policy, you are essentially asking the insurance company to take on the potential financial risk of possibly paying a death claim on your life.

Car insurance companies are designed to minimize their financial risks.

Mortgage protection insurance is the perfect financial solution that allows you to transfer the financial risk of losing your home to an insurance company.

At Ogletree Financial Services, we have access to all the top life insurance companies and know which insurers to turn to with your unique risk profile, including your heart valve surgery.

CC rating is the third rank given to an insurance company where the financial risks are more obvious.

The answers lie in the often proprietary methods that life insurance companies use to crunch your personal data and identify the financial sweet spot between their risk exposure and your posthumous payout.

If a viable insurable interest can be created (meaning there is a financial loss to you if you were to lose one of your parents), then an insurance company would take the risk and allow you to pay the premiums and be the beneficiary.

If the insurance company has financial issues, you run the risk of them not being able to fulfill their promise to you whenever you call on them to honor their obligation.

Insurance is a form of «risk management» used to protect the financial well - being of an individual, company, or other entity in the event of unexpected financial loss.

Many auto insurance companies will use your credit score to determine the level of financial risk that you present to them.

Like all insurance products, your premium goes to the insurance company to help spread out financial risk among a large group of people.

There are also rating agencies such as AM Best that act as external market guides to the strengths of insurance companies and they will independently evaluate firms in terms of many different factors including their ability to meet claims and benefits, their approach to financial management and risk analysis as well as other client facing expectations and experiences.

As such it may be possible to intervene prior to an insurance company failing to renew its financial robustness and thus protect policy holders from risk exposure they hadn't planned for.

Factors such as liquidity, risk management, and capitalization all contribute to a travel insurance company's ability to meet its financial obligations.

Capital Management — Insurance companies need to set aside funds to cover the eventualities of claims, in the case of high risk policies with high potential financial liabilities a reinsurance agreement will enable the company to manage some of this risk prudently and thus free up capital for other projects

The results of this evaluation, together with that of the other procedures done such as blood tests, are all taken into consideration and are part of the things that affect the financial risk that a person poses to an insurance company.

Auto insurance companies use financial history along with other factors (such as years of driving experience) to properly classify an insured according to his / her potential risk.

Although the out - of - pocket maximum is designed to limit your financial risk when you have high health care costs, it exposes your health insurance company to more financial risk.

Because you deserve the peace of mind knowing that you have the right protection to match your needs and risks, and that your insurance company has the financial stability you can rely on.

Lack of comprehensive international health insurance coverage may expose you to emotional stress, physical injury, and financial risk and liability, so why not choose a comprehensive yet affordable travel health insurance policy from a reputable insurance company that can ensure you receive all the benefits for your intended trip?

This group policy option version of term life insurance is offered to companies, businesses and employers of 10 or more employees to diminish the financial and legal risk that employers expose themselves to if an employee is injured, sickened or killed in the workplace.

Knowing that the risk of devastating financial loss could wipe out all that you've worked for, it makes great financial sense to mitigate the risk by transferring it to a life insurance company.

Life insurance is used to transfer the financial risk of a persons death to the insurance company.

The short explanation of a high risk driver is one who poses a high financial risk to the auto insurance company.

Having adequate travel insurance coverage can reduce the potential financial risks associated with traveling, such as accidents, missed flights, illness, lost baggage, canceled tours, terrorism, theft, travel company bankruptcy, emergency / medical evacuation, getting the body to your home country, in case of death.

You pay a yearly premium to the insurance company in exchange for them assuming the risk for numerous perils that could cause you financial loss.

Make sure you are adequately protected by contacting your insurance agent to discuss your options, choose a good car insurance company for your area, and find ways to save money on your auto insurance without putting your financial future at risk.

Pricing insurance is all about assessing risk, and insurance companies consider a person's financial reliability (largely determined by their credit history) as a key factor in determining how risky that person is to insure.