Sentences with phrase «higher insurance value»

Further, for higher insurance value, company does the medical check up as well.

In a nutshell, the insured party stands a higher insurance value than the amount paid for premiums.

They offer u high insurance value at little cost..

Not exact matches

Though less visible than manufactured goods and natural resources, our new research shows that Canadian companies are increasingly selling their engineering, computer, insurance, and other high - value services in global markets.

Because of the company's ever - increasing book value, insurance costs are high, so Bunn is currently funding a portion of the shareholder - buyout agreement through a combination of tax - advantaged vehicles.

«Normally, one of the great disadvantages of investment - oriented life insurance is that front - end commissions are so high that it takes a few years to start building up any type of cash value.

It's interesting to note that our nation's banks own billions of dollars of guaranteed, high - cash - value permanent life insurance — about $ 135 billion of it, according to the latest available statistics.

Profile # 3: Consumer with 760 or Above Credit Score, Home Value of $ 400,000 and 20 % Down Payment The high credit score and 20 % down payment in this profile made it unnecessary to consider an FHA loan, which allows lower down payments at the cost of added mortgage insurance.

These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred in the RARE acquisition; our plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions in the delivery of food and other products; volatility in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions in the financial markets; risk of doing business with franchisees and vendors in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over financial reporting or changes in accounting standards; and other factors and uncertainties discussed from time to time in reports filed by Darden with the Securities and Exchange Commission.

Chubb — Chubb is the world's largest publicly traded property and casualty insurance company, and recognized as the premier provider of insurance for successful individuals and families in the U.S. and selected international markets, offering coverage for high - value automobile, homeowners, recreational marine / aviation, valuables and umbrella liability coverage.

In the case of an oil spill cleanup, the costs are likely to be directly incurred by an insurance company, but the premiums paid for that insurance come at the expense of the value of the oil transportation service — the higher the expected clean - up costs from oil spills, the higher insurance premiums will be, and this will mean higher pipeline tolls, which in turn implies lower profits, taxes, and royalties on the products shipped.

The VA cash - out refinance remains one of the more attractive cash - out refinance options due to the high loan - to - value maximum, lack of monthly mortgage insurance, and lenient FICO score guidelines compared to other cash - out loan programs.

Universal life (UL) is permanent life insurance with a high degree of flexibility related to its expense, protection, and cash value elements.

In general, a compliant, high quality intruder alarm can carry many added value benefits, for one, a high quality system can result in lower insurance premiums, helping to reduce costs whilst providing around the clock protection.

Each fellow will receive a $ 100,000 salary, health insurance and other benefits valued at $ 29,000, office space, coaching from local and national school experts, and opportunities to travel to observe high - quality schools nationwide.

But, poor residual value, high emissions, expensive insurance and a lack of engine variety means that the G37 saloon is not the most finacially appealing car in its class.

Its segment - first, full hybrid drive technology offering customers with an unparalleled combination of low maintenance, insurance and running costs with high reliability and residual values, the Toyota Auris HSD represents outstanding value for money.

Having mortgage insurance makes originating high loan - to - value (LTV) loans safer for the financial institutions we serve, allowing them to reduce their risk and lend to credit - worthy borrowers who bring less than 20 percent down to the table.

Knowing a motorcycle's blue book value can be helpful to a lot of motorcycle riders, particularly those negotiating with their insurance companies for a higher claim payout.

The primary advantage of universal life insurance option B is that cash values grow more quickly over time and the higher level of excess premium contributions allowed by the IRS.

Keep in mind that the shorter the payment period, the higher the cash value growth will be, but the whole life insurance rates you pay will also be higher.

You could be denied a home refinance, be forced to pay private mortgage insurance if your loan - to - value is above 80 percent or pay higher mortgage rates if your home's value is too low.

Whether you're buying home insurance for your first home or the high - value home of your dreams, you need to work with a provider who understands your needs.

First, instead of buying higher - cost permanent policies that generate cash values, many individuals can stick with much lower cost term insurance.

While Gerber heavily markets their Grow - Up and College Plans for children, the company's adult and senior life insurance policies are of higher value.

Here's the formula: Loan amount ÷ appraisal value or purchase price (whichever is less) For example: The home you want to buy has an appraised value of $ 205,000, but $ 200,000 is the purchase price The bank will base the loan amount on the $ 200,000 figure, because it's the lower of the 2 You have $ 40,000 for a down payment, so you need a $ 160,000 loan to meet the $ 200,000 purchase price Your loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 80 %.

Mortgages that are over 75 % loan in order to value are considered high proportion mortgages and generally require CMHC high ratio mortgage insurance.

Because its value is higher, you will pay more in sales tax as well in insurance.

Depending on your financial situation, a higher property value can eliminate the need for expensive mortgage insurance while qualifying you as a less risky borrower.

If you think an exchange rate is wrong (for example, if you think the value of the US dollar is being undermined by excessive spending and it's only temporarily high because of the demand created by bailouts) it might be cheaper to just hedge it separately and profit directly if you're right or get insurance at a lower cost.

HUD set new safeguards for consumers, including higher mortgage insurance premiums for borrowing more than 60 percent of a home's value.

For some borrowers, this could be a significant deduction, since the cost of a mortgage insurance premium could be as high as 1.2 % the cost of the loan value.

While key employee life insurance is usually purchased for high - earners, you should note that the face value of the policy is often limited to a multiple of the insured's income, such as 10X.

Creating a high cash value life insurance policy gives you the benefit of a policy that grows cash value quickly, that will also grow your death benefit as you get older.

Investment - grade is the type of life insurance that is optimized for death benefit performance, in contrast to high cash value life insurance.

You should also consider adding coverage for specific items of jewelry and other high value items on your Hyde Park Tower Apartments renters insurance.

If you're traveling with something of extremely high value, you might need to purchase additional insurance through the airline.

Mortgage lenders consider home loans with a loan to value ratio (LTV) of more than 80 % a higher risk, and require borrowers to pay for mortgage insurance (MI).

Drivers that value professional service and friendly representatives over a high number of discounts should look for a different insurance company.

If you have additional high value items or jewelry, it's important to work with a renters insurance provider who can ask the right questions and help you to get the right coverage on your policy.

You'll want to discuss high value items with your renters insurance expert, who can clarify what limits, if any, may apply to that particular type of property.

You can also add coverage to Governor's Square renters insurance that will protect high - value items such as jewelry, or to extend coverage for things like earthquake damage to your property.

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.

A mortgage loan taken out several years ago, not requiring mortgage insurance may now be underwater (the loan balance is higher than the value of the home).

Typically, you will pay consistently higher premiums since, in the early years of your policy, it should accumulate enough value to off - set the higher insurance risk that comes in later life.

Trusted Choice, a network of independent insurance agents, emphasizes that you should consider insurance beyond what routinely is covered in a policy if your home is full of expensive electronics, artwork, collectibles or other high - value items.

Furthermore, Dean says, your insurance company will cover the actual cash value — not the higher replacement value — to repair or replace your bike.

Since home values are higher than average in The Golden State, you might assume that California homeowners insurance quotes are much higher than in other states.

Permanent life insurance policies, particularly those that build cash value, only make sense in certain situations, but agents make higher commissions by selling them.

This is more of a philosophical question, although I'll point out that life insurance cash values can be used with financial leverage the purchase higher risk / return ventures.