Sentences with phrase «guarantees their insurance rates»

Finishing a Maine traffic school program rather than paying the traffic ticket, would guarantee their insurance rates didn't increase for many years to come since no points would be put onto their record.

An insurance company offering no guaranteed insurance rates should make you raise an eyebrow and question its financial stability.

Instead of blindly comparing figures between these two types of policies, find out how many months the insurance company guarantees their insurance rates.

Not exact matches

Rates for long - term - care insurance are not guaranteed, and they are subject to rate hikes by the insurers.

With whole life insurance, the policy's cash value is guaranteed to grow at a certain rate each year and you can:

Insurers like structured VAs because these hybrid products require less capital to support than traditional VAs that come with lifetime income guarantees, which some insurance companies have found difficult to honor with interest rates still historically low.

Quicken Loans, like Guaranteed Rate, will require mortgage insurance.

This insurance helps lenders approve loans with zero down at very low mortgage rates: the guarantee removes much of the risk.

If you're below 80 or fairly healthy, you should be able to qualify for term or guaranteed universal life insurance policies which offer low rates for seniors.

Variable life insurance is also similar to whole life insurance but, instead of having a guaranteed rate of growth, the cash value of the policy can be invested in sub-accounts offered by the insurer.

The North American Company for Life and Health Insurance offers guaranteed universal life insurance coverage that you can purchase up to age 85, and consistently has some of the loweInsurance offers guaranteed universal life insurance coverage that you can purchase up to age 85, and consistently has some of the loweinsurance coverage that you can purchase up to age 85, and consistently has some of the lowest rates.

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.

Low rates make it difficult for insurers to earn high returns due to the fact that they are required to hold a significant amount of safe debt to guarantee they can cover the insurance policies they write.

But Romneycare's combination of guaranteed issue + community rating + health insurance purchase mandate is, along this dimension, virtually the same as Obamacare.

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.

He cared enough about the issue to study and construct an in depth argument about the many similarities between Romneycare and Obamacare like guaranteed issue, community rating, government - imposed coverage mandates and of course the insurance purchase mandate.

It is worth noting that while people under age 65 in the U.S. live in a heavily market - dominated economy where poor employment outcomes mean poverty and a lack of access to health care, almost everyone over age 65 has most of their healthcare paid for by Medicare, (a FICA tax financed, single payer system that pays providers more or less the same rates as private insurance companies and has few cost controls), more than half of their nursing home costs paid by Medicaid, (which is stingy in how much it pays providers and moderately means tested), and receives enough of a guaranteed income from the combination of Social Security and SSI payments to keep the poverty rate for people age 65 +, (even if they have no retirement savings of their own), above the poverty line, regardless of the state of the local economy.

Guaranteed Asset Protection (GAP) insurance can offer value for car buyers, especially those who opt for a low - interest rate alternative to a cash rebate.

Our indexed universal life insurance quote calculator computes a monthly premium cost estimate along with a cash value estimates for the guaranteed interest rate.

An endowment policy builds cash value at a guaranteed rate and has level premiums, similar to a whole life insurance policy.

«Credit cards provide a lot of value through initial rewards bonuses and 0 percent financing deals, but they also offer $ 0 fraud liability guarantees, the lowest possible currency conversion rates and even car rental insurance coverage,» said Jill Gonzalez, an analyst with CardHub.com, a credit card information site.

All contract guarantees, including optional living and death benefit riders and annuity payout rates, are backed by the claims - paying ability and financial strength of issuing insurance company.

Since the insurer is guaranteed to pay a death benefit to your beneficiaries so long as all premiums are paid, permanent life insurance rates are significantly higher than those for term life insurance.

All contract and rider guarantees, including optional benefits and annuity payout rates, are subject to the claims paying ability and financial strength of the issuing insurance company.

Fixed Annuities This is the more traditional type of annuity — the insurance guarantees a specific interest rate that you will -LSB-...]

MYGAs are issued by insurance companies instead of banks and typically offer higher guaranteed interest rates, as well as the ability to be converted into a lifelong stream of income.

Or you may wish to lock in a steady rate with a permanent life insurance policy, which accrues cash value, and pays a guaranteed death benefit, even if you live to be 100 years old.

The crediting / rate of growth of the contract is typically set annually by the insurnce company issuing the contract and the contract is guaranteed by the underlying insurance company.

With whole life insurance, the policy's cash value is guaranteed to grow at a certain rate each year and you can:

The fact that you were able to get cheap car insurance rate is not a guarantee that the rate will remain at the same level.

The policy has a guaranteed 4 % interest rate, plus life insurance dividends, increasing your total dividend rate to 6 or 7 % presently.

Term life insurance will generally be renewable for a specified number of years at a guaranteed rate.

Whole life policy returns are conservative and based upon the insurance company's pool of extremely conservative investments and thus are guaranteed at rates which have been relatively consistent over the last 200 years.

In other words, an insurance company may offer a guaranteed rate of 4 %, but will charge 4.5 % on all policy loans.

This is the more traditional type of annuity — the insurance guarantees a specific interest rate that you will earn on the annuity.

Guaranteed Universal Life Insurance ties policy cash value growth to a fixed interest rate of return

Variable annuities were introduced in the 1950's as an alternative to fixed index annuities which offer a guaranteed contractual rate of interest in terms of the cash value growth of the account, similar to dividend paying whole life insurance.

Does the insurance guarantee an annual rate, like 0.5 %, 1 %, 2 %,...?

Save for short and long - term goals with guaranteed fixed - rate returns and the protection of FDIC Insurance.

The main features of this coverage include guaranteed rates, which are not available in universal life insurance.

Traditional whole life insurance policies can be evaluated based upon both a `'» guaranteed» and «non-guaranteed» rate of return.

Fixed annuities are tax - deferred * retirement vehicles issued by insurance companies that grow at a guaranteed rate and offer you the opportunity to turn some or all of your savings into guaranteed income payments for life, or for a set period.

Whole Life insurance has rather conservative guaranteed growth rates.

Either at the rate of the insurer's portfolio or minimum guaranteed rate, in the case of universal life insurance.

The insurance company also guarantees a minimum interest rate in fixed indexed annuities.

Now compare these rates to a guaranteed lifetime rate of return averaging 4 % in a whole life policy from a mutual life insurance company, AND don't forget to add an additional 3 - 4 % on top as an average annual whole life insurance dividend.

This insurance helps lenders approve loans with zero down at very low mortgage rates: the guarantee removes much of the risk.

If you're below 80 or fairly healthy, you should be able to qualify for term or guaranteed universal life insurance policies which offer low rates for the elderly.

Mutual of Omaha also offers competitive rates for guaranteed issue whole life insurance, as well as a wider range of death benefits.

Since the insurer guarantees a lower interest rate and offers a range of premiums, universal life insurance policies are typically less expensive than whole life insurance policies.