If PRI lost enough business and became insolvent, any outstanding claims would be paid out of a state property and casualty guaranty fund that is
funded by insurance companies — which in turn get the money from their ratepayers.
He also likes to keep a close eye on the rehabilitation of his clients,
funded by insurance companies or those legally responsible for the injuries.
Ensure you have a treatment team
funded by insurance companies to the fullest extent possible and have income replacement benefits paid promptly
Research is
funded by insurance companies to find correlations.
Unlike with Whole Life, where a portion of your monthly premium is placed in a single tax - deferred annuity account with a fixed interest rate at the time of the purchase of the policy, the savings portion of your premium in a UL policy is placed in a variety of bonds, mortgages and money market
funds by the insurance company.
In this case, the death benefit is
funded by the insurance company setting an assumed rate of interest for this portion of the policy.
Not exact matches
Typically, a given
company administers its 401 (k)
by working with a specific provider, from a pool that includes
insurance - driven
companies like Prudential, banks like Wells Fargo, and an array of mutual -
fund companies.
Employees of firms that offer PRPPs are automatically enrolled (they can opt out), and the
funds are pooled and administered
by a third party, such as a bank or
insurance company.
With a $ 90 million cut in Obamacare outreach
funding by the Trump administration,
insurance companies have been stepping up to inform Americans about the ongoing open enrollment period for plans sold under the Affordable Care Act.
Were the
company to be sued because of a death related to, say, its autopilot feature, it could result in a «substantial monetary award» that would have to be paid from «
company funds, not
by insurance.»
A similar study conducted
by the Guardian
Insurance Company offered even more marked results, with 35 % of small business owners surveyed reporting that they actually started their businesses to
fund their retirements.
The billions of dollars managed
by mutual
funds, hedge
funds,
insurance companies, university endowments, pensions, foundations, sovereign wealth
funds and the like need to find returns for their money.
(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other
insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any
funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated
by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the
Company (collectively, the «
Company Employees») has any present or future right to benefits and which are contributed to, sponsored
by or maintained
by the
Company or (ii) the
Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.
This works because the fee - only financial planner is compensated
by you directly, and not
by a third - party annuity, life
insurance, or mutual
fund company.
Allegations of excessive index
fund fees in retirement plans are at the heart of a new proposed class action lawsuit brought
by New York Life
Insurance Co. employees against the
company.
Wrap fees add an additional layer of fees a plan fiduciary must consider when evaluating an
insurance company's fees for reasonableness — Directly invoiced fees and revenue sharing payments made
by the underlying mutual
funds may still apply.
When a retirement plan uses variable annuities, participants own «units» of an account that holds mutual
funds owned
by the
insurance company — they don't own mutual
fund shares.
Some 70 % of shares in U.S. - listed
companies today are held
by mutual
funds, pension
funds,
insurance companies, sovereign
funds, and other institutional investors, which manage them on behalf of beneficiaries such as households, pensioners, policy holders, and governments.
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.
In recent years, about two - thirds of nonfinancial credit market debt has been held
by nonbanks, which includes market - based
funding by securitization vehicles and mutual
funds as well as
by institutions such as
insurance companies and finance
companies.
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.
I can't be totally certain here, but I suggest that all major state
insurance regulators should send Ben Bernanke, Tim Geithner, and Hank Paulson some really nice gifts, because had AIG's life
companies failed, the state guaranty
funds would have been hard pressed to come up with something north of $ 10 billion
by surcharging the other
insurance companies doing business in each state.
Just some examples of the financial system in an awkward state of unease: Velocity of money has been muted, pension
funds have been impaired
by burdensome discount rates,
insurance companies haven't been able to write business at reasonable levels and savers have been penalized.
Based on a global declaration signed in 2015
by investors at the Paris COP21 UN Climate Conference, the Brazilian Statement adds local context, with input from market participants, including
fund managers,
insurance companies and pension
funds.
With the ECB, BoJ and certainly the Feds, the dynamic hedges are missing from the market, but they are going to resurrect themselves as more paper winds up in the hands of private holdings whether it be
by pension
funds or
insurance companies.
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 plan in this case terminates its liability to the participant
by transferring the participant's
funds to an
insurance company.
Third, it is no longer clear in many cases just who the owners are, with millions of shares of stock being held
by the public, many
by individuals but also many
by pension
funds,
insurance companies and other investment concerns.
Even if you buy into a premium plan which is offered
by very few
insurance companies thus far, the bill specifically prohibits any federal
funds going towards it.
I am going to weigh in, being a catholic and the whole shabang... First of all this is not infringing on anyone's right to practice their religion... Requiring
insurance companies to provide contraception for women does not mean the woman has to use it or purchase it... Catholic hospitals take federal
funds for their patients, therefore they are not exempt from employment laws... If the Catholic Diocese doesn't want to provide the
insurance claiming religious beliefs, then they can no longer accept federal
funded patients... They also know that they will be subjected to discrimination lawsuits based hiring and religious discrimination — non-catholics work there, and therefore are being denied healthcare due to catholic beliefs... Majority if not all Catholic women do, have, or had used contraception in their lifetime... God does not nor does the bible say anything about contraception, since it had not been invented yet — so this is a man - made law, made
by a bunch of men, who have never had a menstrual cycle — and the pain that comes with it....
years; exempts vehicles owned
by firefighter first responders used in the performance of duty from motor vehicle registration fees and vehicle use taxes; authorizes local volunteer fire
companies and ambulance
companies to offset the cost of health
insurance for their volunteers through the use of
funds collected from a 2 percent fire
insurance premium tax from out - of - state insurers; allows fire
companies to select up to three candidates to participate in the state's college tuition assistance program, known as Volunteer Recruitment Service Scholarships; and directs the state Higher Education Services Corp. to create a volunteer recruitment service college loan forgiveness program.
The pledge card, which mirrors New Labour's initiative in 1997, will promise free party membership for trade unionists, the building of 1m new homes over the course of a parliament, an increase in the minimum wage
funded by a cut in employers» national
insurance, a cost - of - living test for every policy item and a cabinet minister to «take action for the consumer against rip - off
companies».
Every New Yorker who pays for home, auto or business
insurance would foot the bill: In the event of PRI's demise, its unpaid claims would be paid
by the state's
insurance company guaranty
fund, with the cost ultimately passed on to policyholders statewide.
Since graduate school, he has helped to found a number of
companies, including Micro Pure Systems, which was later acquired
by Rexnord; the Johns Hopkins Institutions Venture Capital
Fund, TRIAD Investors, which merged with with Zero Stage Capital; and FutureHealth, acquired
by Nationwide
Insurance.
To this end, we founded the non-for-profit HUB foundation which currently builds a biobank of all 1500 Dutch CF patients
funded by our national
insurance companies.
Our Integrative Medicine clinic is not restricted to therapies and protocols covered
by insurance companies and
funded by the pharmaceutical industry.
Seek an early actuarial valuation and agree a repayment term Step 3 — Setting up an Academy Trust and
Funding Agreement • This is the stage at which all legal documents need to be agreed with the DfE • The Academy Trust has to be registered with
Companies House • Transfer or leasing arrangements for school land needs to be finalised • Completion of TUPE process • Governors complete and close consultation process •
Funding Agreement signed
by Academy Trust and Secretary of State • Academy opening date set Step 4 — Pre-opening • All CRB checks completed prior to transfer to academy status • Financial systems and contracts with staff and suppliers confirmed • Academy registrations with exam bodies confirmed •
Insurances put in place
Chicago Office Technology Group Children's Hunger Alliance Cincinnati Marathon, Inc CKC Good Food Colfax Marathon Partnership Colorado Department of Transportation Community First Foundation ConocoPhillips Coverys Crown Family Philanthropies Cubs Care, a McCormick Foundation
Fund CVS Caremark Dairy and Food Nutrition Council Dream Makerz Foundation Ecovate Elyachar Welfare Corporation ERSC Holdings Extreme Pita Eye 4 Group Family Resource Center Association, Inc Fidelity Exploration & Production First Communications First United Methodist Church Florida Healthy Kids and KidsCare Framingham State University General Mills Foundation Grabbagreen Heart & Sole LLC Hillshire Brands Hope Heart Institute Indiana University Health Institute for Integrative Nutrition ISEC Foundation Johnson & Johnson Kids» Adventures, Inc Loyola University Chicago Midwest Dairy Association Minnesota Department of Education Mokena Community Park District Molina Healthcare, Inc National Christian Foundation National Dairy Council Nebraska Department of Education Nebraska Dietetic Association Nebraska Medical Association North Baltimore Aquatic Club Ohio Orthopedic Center of Excellence Optimist Club of Uptown Great Falls Otho S.A. Sprague Memorial Institute Our Family Foundation Pemco Mutual
Insurance Company Positive Energy Electricity Supply LLC Probiotic America Project Bread Race for Awareness Raise the Roost Ready Talk Rotary Club of Altamonte Springs Inc Schwab Charitable
Fund Seattle Children's SoJo Studios Southeast United Dairy Industry Association Temple Hoyne Buell Foundation The Children's Health Market Inc The Fare Thee Well Foundation The Harold and Marilyn Melcher Foundation The Harvey Miller Family Foundation The Pelino Charitable Foundation The Pilates Core The REAM Foundation TownePlace Suites
by Marriott Tyson Foods Uniform Advantage United Way Greater Twin Cities United Way Metro Chicago United Way of King County US Games Vanguard Charitable Endowment Program Vegetable Juices, Inc Winter Park Health Foundation WithinReach
(Don't confuse them with «segregated
funds,» which are products offered
by insurance companies.)
• The borrowed
funds are supposed to be used for outside investments that will generate a return in excess of the 10 % interest rate being charged
by the
insurance company.
They sat on autopilot for years and were managed
by an expensive
insurance company and they were not in low cost index
funds.
MYGAs are backed primarily
by the issuing
insurance company, and additionally
by State Guaranty
Funds
The AXA Retirement 360SM defined contribution program consists of a custodial account offered through Reliance Trust
Company, LLC, within which plan participants» chosen mutual
fund shares are held, as well as a group fixed annuity contract (Generic Form Number 2016FA - MFrev, 2016FA - MF403b) issued
by AXA Equitable Life
Insurance Company («AXA Equitable»).
If you're in a similar situation, you could avoid these problems
by having your
company fund a permanant
insurance policy that will pay $ 2.3 - million on your death.
That's a valuable skill, but difficult to do, except with
insurance companies and mutual
funds, which have to report their holdings at the security level
by CUSIP.
Because all of the rebuilding efforts are
funded by existing wealth (e.g.
insurance companies).
Fixed annuities offered
by legal reserve life
insurance companies like Liberty Bankers are further protected
by various state
insurance department guaranty
funds.
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.
StanCorp Equities, Inc., member FINRA, wholesales a group annuity contract issued
by Standard
Insurance Company and a mutual
fund trust platform for retirement plans.
PL
funds are managed
by Pacific Life
Fund Advisors LLC, a wholly owned subsidiary of Pacific Life
Insurance Company of Newport Beach, CA.