If you're listed as a smoker on your application, you're going to pose a much
greater risk to the insurance company.
That means that you're going to pose a much
greater risk to the insurance company, and they are going to offset that risk by charging you higher premiums.
If you're a smoker, then you're at a much greater risk to be diagnosed with severe health complications, which means that you're
a greater risk to the insurance company.
If you're a smoker, you're at a much higher rate of being diagnosed with severe health complications, which means that you're going to be
a great risk to the insurance company.
Drivers under 25 pose
the greatest risk to insurance companies because of their high level of at - fault accidents.
If you're a smoker, you're at a higher risk for health problems like cancer or heart attack, which means you'll pose
a greater risk to the insurance company.
Smokers have a higher risk of being diagnosed with lung cancer or suffering a heart attack, which means that they are going to pose a much
greater risk to the insurance company, and they are going to offset that by charging you higher premiums.
This means that you're going to be
a greater risk to the insurance company.
If you're a smoker, you're going to pose a much
great risk to the insurance company, and they are going to offset that risk by charging you more for life insurance.
Having traffic violations on your record can raise your rates because you are
a greater risk to the insurance company.
Speeding tickets and driving accidents mean that you're
a greater risk to the insurance company, which could translate into hundreds of more dollars every year for your insurance protection.
Premiums are typically higher, however, as policyholders generally pose
a greater risk to the insurance company.
Well, although they certainly present
greater risk to an insurance company, the overall profit margins may still be higher.
Not exact matches
Owning your own
company has
risks, and that's why liability
insurance is a
great place
to start for entrepreneurs.
Drivers with traffic violations, accidents, or DUIs are usually considered
to be a much
greater risk by
insurance companies.
That's because as you get older, your chances of passing away become
greater, and thus represent a higher
risk to insurance companies.
Even high -
risk drivers might find another
insurance company to be a better choice if they value
great customer service and a painless claims process over low rates.
With a VUL the
insurance company has passed the
risk to the policy holder, in exchange for
greater choice and potential gains.
Younger drivers are more likely
to be involved in accidents, so 18 - year - olds pose a
greater risk to motorcycle
insurance companies than middle - aged drivers.
Insurance companies reflect this greater risk by offering higher - priced motorcycle insurance quotes to young
Insurance companies reflect this
greater risk by offering higher - priced motorcycle
insurance quotes to young
insurance quotes
to young drivers.
Insurance companies consider drivers with lower credit scores
to be a
greater financial
risk.
With a typical
insurance plan, the
company will get an overall view of your health when calculating your premiums, without the medical exam, the don't know how your health is or about any severe health complications, which means you are a much
greater risk to insure.
Beyond that, I would commend
to you both Assurant (a truly
great company that will survive the SEC), and Safety
Insurance (investors don't get the
risks here, they are small, and management is smart).
When I was a
risk manager and bond manager for a life
insurance company (at the same time, dangerous, but
great if done right) I had
to have models that drove yields on corporates from Treasury yields.
After all, life
insurance is based on
risk factors, and the older that you are the
greater the
risk you present
to the
insurance company of dying within the term of the policy.
After all, if you are in poor or declining health, the
insurance company may decide that you represent too
great a
risk and choose not
to renew your policy.
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.
Because of the higher level of
risk associated with commercial vehicles, the law generally requires a
greater amount of
insurance coverage
to ensure a trucking
company can be held financially responsible if it's at fault for an accident.
Commanding large verdicts is part of what makes our firm an effective negotiator —
insurance companies know they stand
to risk a
great deal of money facing us in the courtroom.
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.
The purpose of the medical exam is
to give the
insurance company an idea of how much of a
risk you are
to insure, but without that exam, the
insurance company is taking a much
great risk.
American General the
company is a
great fit for many, and especially clients dealing with pre-existing conditions that would categorize them as high
risk life
insurance, due
to AG's liberal underwriting in contrast
to other carriers.
When
insurance providers see that their customers are abusing the laws of the road, they immediately recognize them as higher
risk to insure — the likelihood becomes far
greater that they will be involved in an accident and will cost the
company more money than other safer drivers.
If you have several speeding tickets or driving accidents on your records, then the
insurance company is going
to view you as a
greater risk.
Life
insurance companies have a list of rate classifications that will classify each and every applicant in order of what kind of a
risk they are and how
great the odds are of having
to pay out a death claim.
With variable life, you're shifting
risk from the
insurance company to yourself because you're trying
to achieve
greater returns.
Each car
insurance company has many guidelines regarding which groups of drivers they want
to accept and how much they will charge those groups they consider a
greater risk.
Dangerous occupations represent much
greater risk for
insurance companies, and you are likely
to pay for that
risk with a higher
insurance premium.
It usually happens when in some areas where the
risk of a covered peril is high; the number of claims from people displaced from their homes is so
great that the
insurance companies have
to limit the length of time during which they will reimburse the expenses for temporary shelter.
Smokers are at a
great risk for health complications, which makes you a higher
risk to the
insurance company.
Certain hazardous hobbies and activities represent a much
greater risk of payout
to life
insurance companies, and when seeking life
insurance quotes you may pay for that increased
risk through higher life
insurance premiums.
Because of these
greater risks, we expect
to see other
insurance companies follow Aviva's lead and develop their own overland flood
insurance packages.
Risk transference — by undertaking a reinsurance deal an insurance company can trade off aspects of the risks involved, possibly in cases where some of the risk does not fall directly into the normal areas of operating expertise or where the risk is too great for the insurance company to comfortably meet its obligations under a policy should a claim be made against
Risk transference — by undertaking a reinsurance deal an
insurance company can trade off aspects of the
risks involved, possibly in cases where some of the
risk does not fall directly into the normal areas of operating expertise or where the risk is too great for the insurance company to comfortably meet its obligations under a policy should a claim be made against
risk does not fall directly into the normal areas of operating expertise or where the
risk is too great for the insurance company to comfortably meet its obligations under a policy should a claim be made against
risk is too
great for the
insurance company to comfortably meet its obligations under a policy should a claim be made against it.
This is why those with serious medical issues pose a
greater risk to life
insurance companies.
After all, due
to your older age life
insurance companies are taking a
greater risk when they agree
to issue a policy
to someone who is in your age group.
Without the medical exam, the
insurance company is taking a
great risk to give you life
insurance, and they are going
to offset that by charging you higher premiums.
For example, heart attack survivors may, as a group, be a
greater risk for the
insurance company, but a specific heart attack survivor who has taken healthy steps
to prevent future heart attacks and who is receiving high - quality medical care will likely be a lower
risk to the
insurance company.
The purpose of the medical exam is
to give the
insurance company an idea of your overall health, but without that medical exam, the
insurance company is taking a much
greater risk by giving your life
insurance.
With a normal plan, the
insurance company gets an idea of your health and how much of a
risk you are
to insure, with a no medical exam, they don't get that picture, which means
great risk.
The reason it's important
to identify yourself with an impaired
risk life
insurance policy from the beginning is because there is
greater detail which is required
to underwrite your case, and finding the best high
risk life
insurance company for your specific medical issue is a must!