Sentences with phrase «guaranteed issue market»

A division of the Kemper Corporation (NYSE: KMPR), Kemper Senior Solutions targets the guaranteed issue market that extends to applicants with significant health concerns.

Not exact matches

In contrast, accounts that guarantee at least the return of your original balance — like certificates of deposit or money market accounts — are always covered, as long as the issuing bank or credit union participates in deposit insurance.

In the marketing for deals business, I guarantee it is more of a timing issue than a copy writing issue.

KBank has the biggest market share in Thailand as far as Letter of Guarantees issued by the country's banking system is concerned, and accounts for 25 percent of the approximately $ 40 billion issued in total per year.

My reading of the episode is that the extraordinary financial events of September and October 2008 — several large financial failures, large - scale rescues of major institutions, enough incipient systemic concerns about banking systems to lead governments to issue guarantees, investor panic on share markets — were all observed in real time by households and businesses right around the world.

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 Third World countries which still had access to international financial markets and which could issue public bonds in London or New York, had to increase the yield payments they guaranteed to purchasers of their bonds.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

On the economic and business side, emphasis was put on the importance of being part of single European home market with access to over 250 million people for British business, industry, jobs, and future prosperity; greater bargaining strength in matters related to issues such as energy and trade negotiations; and the ability to take advantage of the Common Agricultural Policy with the price stability and guaranteed food supplies that it brought with it.

HSBC declined to participate because its larger customer deposits means it would lose money by taking part in credit easing, which involves a government guarantee on bonds issued on wholesale funding markets.

The holder may be the bank that issued the loan, a secondary market that purchased the loan from the bank or a guarantee agency if the borrower defaulted on the loan.

Naked option NASD NASDAQ National Association of Securities Dealers National exchanges National Market System National Medallion Signature Guarantee National Securities Clearing Cooperation (NSCC) National securities exchange NAV Negotiable Negotiated market Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE CompositeMarket System National Medallion Signature Guarantee National Securities Clearing Cooperation (NSCC) National securities exchange NAV Negotiable Negotiated market Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE Compositemarket Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE Composite Index

While we understand the utility of guaranteed issue policies, one has to wonder why this market has exploded in growth over the last two decades.

Under normal market conditions, the fund invests at least 80 % of its net assets in U.S. government debt securities, including U.S. Treasury securities and other securities issued or guaranteed by the U.S. government and its agencies and instrumentalities.

Unlike a bond, which guarantees a fixed return if you hold it until maturity, a stock can rise or fall in value based on daily events in the stock market, trends in the economy, or problems at the issuing company.

FDIC insurance does not guarantee investors against market losses of their CDs but solely against the insolvency of the issuing bank.

Investment Objective: To generate income by predominantly investing in debt & money market securities issued by Banks & PSUs and Reverse repos in such securities, sovereign securities issued by the Central Government and State Governments, and / or any security unconditionally guaranteed by the Govt.

MBIA Corp. issues financial guarantees for municipal bonds, asset - backed and mortgage - backed securities, investor - owned utility bonds, bonds backed by publicly or privately funded public - purpose projects, bonds issued by sovereign and sub-sovereign entities, obligations collateralized by diverse pools of corporate loans and pools of corporate and asset - backed bonds, and bonds backed by other revenue sources such as corporate franchise revenues, both in the new issue and secondary markets.

MBIA Corp. issues financial guarantees for municipal bonds, asset - backed and mortgage - backed securities, investor - owned utility bonds, bonds backed by publicly or privately funded public purpose projects, bonds issued by sovereign and sub-sovereign entities, obligations collateralized by diverse pools of corporate loans and pools of corporate and asset - backed bonds, both in the new issue and secondary markets.

Prior to January 1, 2014, when guaranteed issue of insurance coverage, elimination of preexisting condition exclusions, and several other critical ACA protections took effect for individual health insurance coverage, early retirees between ages 55 and 64 often faced difficulties obtaining insurance in the individual market because of age or chronic conditions that made coverage unaffordable or inaccessible.

MBIA issues financial guarantees for municipal bonds, asset - backed and mortgage - backed securities, investor - owned utility bonds, bonds backed by publicly or privately funded public - purpose projects, bonds issued by sovereign and sub-sovereign entities, obligations collateralized by diverse pools of corporate loans and pools of corporate and asset - backed bonds, and bonds backed by other revenue sources such as corporate franchise revenues, both in the new issue and secondary markets.

In contrast, accounts that guarantee at least the return of your original balance — like certificates of deposit or money market accounts — are always covered, as long as the issuing bank or credit union participates in deposit insurance.

Issued 1980 through April 1995 - Bonds purchased in this time earned interest on a graduated scale for 5 years and then started earning interest at either guaranteed minimum rates or market - based rates, whichever is higher.

The investor enjoys the safety and guarantee of high yield Secondary Market Structured Settlement Annuity, most returns are 4 to 6 % and guaranteed by the issuing insurance carrier.

Nevertheless, as was demonstrated in the West with fan ROM Chrono Trigger: Crimson Echoes, litigation is always a concern where the treatment of copyrighted properties are at issue, Comic Market being no guaranteed exception.

Market statistics from the Association of Issuing Bodies (AIB) underline that demand for renewable energy continues to grow: European consumers and corporates are increasingly fulfilling their green energy intentions by documenting their renewable purchases with Guarantees of Origin (GOs)- Europe's system for tracking and making renewable energy claims.

It's very likely that a guaranteed issue plan will NOT be your best and cheapest choice on the market.

Additionally, Gerber offers some of the more competitive rates on the market for no - exam guaranteed issue life insurance.

If you do have to resort to a guaranteed issue policy, the three cheapest companies on the market right now are Gerber Life, AIG, and Mutual of Omaha.

There was no open enrollment period in the individual market before 2014, because health plans were not guaranteed issue at any time of the year in most states - so there was no need for special enrollment periods; people simply applied, and were either accepted or declined by the insurance carriers.

Now that coverage is guaranteed - issue in the individual market (just the way it is for employees who are eligible for their employer's health plan), the individual market uses open enrollment and special enrollent periods just like employer - sponsored health insurance.

AIG has some of the lowest premiums for guaranteed issue final expense relative to the other companies in the market.

In our opinion, they have the best guaranteed issue plan on the market.

Guarantees and protections offered by fixed and market value adjusted annuities are subject to the claims paying ability of the issuing insurance company.

At the end of the day, the term «guaranteed issue life insurance» is a marketing characterization.

Most guaranteed issue plans are not true insurance, but are often marketed as having «insurable benefits.»

The individual market has to have a limited enrollment window because coverage is now guaranteed - issue for all applicants, regardless of whether they have pre-existing conditions.

All individual market plans became guaranteed - issue as of January 2014.

(2) Offers to each covered individual, on a guaranteed issue basis, the option to purchase any other individual health insurance coverage currently being offered by the issuer for individuals in that market.

Gerber Life's guaranteed issue burial insurance is easily the best guaranteed acceptance policy on the market.

Now that you understand the difference between the two different kinds of life insurance that are marketed as final expense, let's look at the difference between buying Guaranteed Acceptance and Simplified Issue final expense / burial insurance.

In addition to being guaranteed issue, coverage in the individual and small group market is also now issued with modified community rating as a result of the ACA.

In addition to being guaranteed issue, small group coverage now follows the same modified community rating rules used in the individual market: premiums can vary only based on age, tobacco use, and zip code.

Gerber Guaranteed Issue Life Insurance: Gerber has some of the best guaranteed issue life insurance rates on the market and are a very truGuaranteed Issue Life Insurance: Gerber has some of the best guaranteed issue life insurance rates on the market and are a very trusted Issue Life Insurance: Gerber has some of the best guaranteed issue life insurance rates on the market and are a very truguaranteed issue life insurance rates on the market and are a very trusted issue life insurance rates on the market and are a very trusted name.

The Impact of Access Regulation on Health Insurance Market Structure, Guaranteed Issue and Renewal.

As of 2012, there were only six states where individual market coverage (the kind you buy yourself, rather than obtaining from an employer) was guaranteed issue.

And although HIPAA protections did not extend to private individual market coverage, some states had adopted regulations that allowed HIPAA - eligible individuals to purchase guaranteed issue coverage in the individual market (HIPAA - eligible means that the person had at least 18 months of creditable coverage without a gap of more than 63 days, and the most recent creditable coverage was under an employer - sponsored plan, a government plan, or a church plan; also, the individual must have exhausted COBRA if it was available, and can't be eligible for Medicare or Medicaid).

One of the best options in the final expense and guaranteed issue life insurance markets, Assurity provides a strong life insurance solution with affordability for seniors looking for a life insurance policy.

Secondly, many of the best guaranteed issue whole life policies on the market come with accelerated death benefits.

There is no one - size - fits - all policy on the market, even with guaranteed issue whole life insurance.