Sentences with phrase «guaranteed issue which»

The policies are either simplified issue, which require some health questions, or guaranteed issue which require no health questions.

Many of these policies are guaranteed issue which means there is no medical exam and limited health questions (if any).

Not exact matches

The law, which was first introduced by Congresswoman Bella Abzug, technically states that the president is «authorized and requested to issue a proclamation in commemoration of that day in 1920 on which the women in American were first guaranteed the right to vote.»

Instead, Bair and Paulson worked out a deal in which the F.D.I.C. guaranteed only new debt issued by the bank - holding companies.

What's more, in August, New York's Branch of Budgetary Administrations issued subpoenas to 22 developing installment organizations, huge numbers of which dealt with Bitcoin, getting some information about their measures to avert tax evasion and guarantee shopper insurance.

Iraq issued $ 1 billion of five - year bonds in January, which were fully guaranteed by the US government.

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 result was that when the candidates attacked Mitt Romney's health care law (which, like Obamacare included guaranteed issue, community rating, coverage mandates, subsidies, and a health insurance purchase mandate), Romney could easily dodge the questions.

There is no guarantee that overt struggle can be avoided, but it is criminal to make civil, class or international war the more likely by confusing issues and by arousing the passions which religious fervor can awaken.

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.

It's more resilient than anything else I've used, which is really important and they come with amazing guarantees so if you ever have an issue it's easily fixed.

«These things end up impacting clients because guaranteeing a good atmosphere helps retain talent, which is an issue for all companies,» Ferrin notes.

Negative because a plethora of schemes competitive to Fairtrade have been developed which occupy the same consumer - facing space but do not address some of the challenging issues addressed by Fairtrade, especially the issue of guaranteeing famer income.

On the issue of the EPL trophy which some fans are mourning, where was the divine covenant which guaranteed that if we got Benzema or Cavani we would take win the EPL?

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...

The last public poll I recall on this issue (Siena, April 2009) found New Yorkers supported the Senate voting to pass the gay marriage bill (53 - 39), which would have virtually guaranteed it would become law since the Assembly and the governor were both on board.

Royal Mail bosses today issued a warning that giving people more choice between delivery services was threatening the future of the universal service, which guarantees that letters can be delivered anywhere in the country for the same price.

He has suggested that the government might want to rethink the 15 - year non-renewable terms proposal, which has generated a lot of resistance, and come up with a third way on the referendum issue — perhaps guaranteeing one if five per cent of the electorate demand one.

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 suit was commenced against NIB by Standard Bank Offshore Trust Company, which was later substituted by Dominion Corporate Trustees Limited, on behalf of investors, who had purchased promissory notes issued by Eland Ghana Limited and guaranteed by NIB

He said that the offence of which Kanu was accused was a «civil rights» issue, adding that the right to agitate is guaranteed in a democracy.

This all but guarantees media coverage for the issue and opens a line of dialogue direct to Number 10, which will duly put pressure on government departments to respond.

on issues like the Gender Expression Non Discrimination Act that would guarantee people of all gender identities equal protection under the law and The DREAM Act, which would provide financial aid to undocumented students looking to attend college.

Home Secretary Theresa May has issued new guidance to judges saying Section 8 of the Human Rights Act, which guarantees the right to family life, should not override serious criminality in deportation cases.

Even then, Cuomo and Klein spoke of the need to win more seats in November to guarantee a «functioning majority» in which one member can't hold issues hostage like Felder did during the budget talks.

The system comes with a one - year satisfaction guarantee warranty and a one - year warranty, which isn't the longest in the industry, but you also receive free expert technical support for the lifetime of the product to help you work through any issues or questions you come upon.

When you leave your current position, any research program you establish will either die immediately or go with you, and there's no guarantee that your institution (to which grants are issued and by which equipment is bought) will let you take your new toys.

«It's quite likely that the intensity of both floods and droughts will be an issue, so it's really about how do we plan given the uncertainty and increased variability, which are the only guarantees we have,» said Palaniappan.

Another issue is the extent to which national library systems should simply aggregate content from other collections, as opposed to storing e-books, multimedia and other items on the systems» own servers, too — the best way to guarantee perpetual access.

Only with MBA essay editing and writing service, you will get pleasant and responsive customer support which guarantees that you will be given help any time of day or night on any issue you might have.

They are not backed by the broker / dealer from which an annuity is purchased, by the insurance agency where an annuity is purchased, or any affiliates to those entities, and none makes any representations or guarantees regarding the claims - paying ability and financial strength of the issuing insurance company.

This includes VA loans, which are flexible lending options guaranteed by the Department of Veterans Affairs and issued by VA - approved lenders.

There are other ways to «class» stocks, most of which have a similar tradeoff between earnings percentage and voting percentage (typically by balancing these two you normalize the price of stocks; if one stock had better dividends and more voting weight than another, the other stock would be near - worthless), but companies may create and issue «superstock» to controlling interests to guarantee both profits and control.

Both simplified issue and guaranteed issue life insurance types of coverage are more expensive than going through the standard underwriting process, which includes a medical exam, with guaranteed issue typically being more expensive than simplified issue since no health questions are required.

They are not backed by the broker / dealer from which this annuity is purchased, by the insurance agency from which this annuity is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims - paying ability and financial strength of the issuing insurance company.

This triggers some difficult questions we need to take on as a society, such which broad based approaches to take to resolve this issue and which sacrifices we'll need to make to guarantee a safe and healthy retirement for everyone.

One of the most popular alternatives is the FHA loan, which is a loan issued by a traditional lender but guaranteed by the government.

There are also policies with limited underwriting, such as no medical exam or guaranteed issue policies, which have higher quotes but accept a wider range of medical problems.

Yes, they have a par value, which is good, but take Meridian Credit Union's frequent investment share issues... they commit to a dividend rate for a period of 5 years but the dividends are still not guaranteed and you can't sell your shares for 5 years.

You can buy a guaranteed issue whole life policy or 10 year, depending on which you think you would need, and just need to pass some tests.

It is Debtor's understanding that Sallie Mae does not have a disability discharge available for private loans issued prior to 2011, but Debtor has not heard from Sallie Mae since Fall of 2010, which, coincidentally, is when Sallie Mae reviewed Debtor's medical records and determined that Debtor is entitled to a disability discharge with respect to the Sallie Mae Federally Guaranteed Student Loans.

after expressing an open indication of interest in a new issue fixed - income offering for which securities have not yet been allocated, this option allows customers to cancel that indication of interest and end participation in the offering; once an indication of interest has been deleted, that customer will not be eligible to receive an allocation of securities, even if the indication of interest had previously been confirmed; while customers can attempt to delete an indication of interest at any time before securities are allocated, deletions are performed on a best efforts basis; there is no guarantee that an indication of interest can be deleted, in whole or in part

This risk is minimal for mortgage - backed securities issued by government agencies or government - sponsored enterprises — also known as «agency» securities issued by Ginnie Mae, Fannie Mae or Freddie Mac — and most asset - backed securities, which tend to carry bond insurance that guarantees payments of interest and principal to investors.

You can always get a guaranteed issue health insurance policy (which is more expensive than traditional health insurance plans).

All guarantees and protections are subject to the claims paying ability of the issuing company, but the guarantees do not apply to any variable accounts which involve investment risk and possible loss of principal.

When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state's Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage.

CoverMe ™ Life insurance offers you four different life insurance plans to choose from - Guaranteed Issue Life insurance, Easy Issue Life insurance, Term Life insurance and FollowMe Life insurance - so you can decide which one best suits your needs, your family and your budget.

Agency bonds are issued by two types of entities — 1) Government Sponsored Enterprises (GSEs), usually federally - chartered but privately - owned corporations; and 2) Federal Government agencies which may issue or guarantee these bonds — to finance activities related to public purposes, such as increasing home ownership or providing agricultural assistance.

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.

Among them was to protect the other life insurers of the US from getting surcharged in order to pay for the costs going to the guarantee funds, along with systemic risk issues at AIG Financial Products (which was much bigger).